ARK VALLEY
Charter #62894 · Arkansas City, KS · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 8,916 ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.48% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.61% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.13% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 50th percentile but its structural peers at the 31st — a 19-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ARK VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $58.32M | 21th pct | 31th pct |
| Members | 8,916 | 92th pct | 92th pct |
| Net worth ratio | 14.45% | 66th pct | 64th pct |
| Return on average assets | 1.48% | 84th pct | 77th pct |
| Net interest margin | 3.69% | 50th pct | 31th pct |
| Cost of funds | 0.61% | 29th pct | 21th pct |
| Loan-to-share | 66.70% | 60th pct | 46th pct |
| Delinquency 60+ days | 0.13% | 14th pct | 13th pct |
| Net charge-off ratio | 0.20% | 46th pct | 44th pct |
| Loan growth YoY | 0.51% | 68th pct | 59th pct |
| Share growth YoY | 2.10% | 41th pct | 28th pct |
| Efficiency ratio | 76.24% | 40th pct | 46th pct |
structural peer set hash: 1c7391163b61863337fd0d1c431e6243… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.