ASCENTRA
Charter #63268 · Bettendorf, IA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.29% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.16% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 51st percentile but its structural peers at the 34th — a 16-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 | ASCENTRA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $593.17M | 22th pct | 13th pct |
| Members | 42,882 | 51th pct | 34th pct |
| Net worth ratio | 10.07% | 44th pct | 52th pct |
| Return on average assets | 0.51% | 42th pct | 43th pct |
| Net interest margin | 4.29% | 92th pct | 92th pct |
| Cost of funds | 0.16% | 7th pct | 7th pct |
| Loan-to-share | 81.04% | 50th pct | 36th pct |
| Delinquency 60+ days | 0.89% | 73th pct | 69th pct |
| Net charge-off ratio | 0.42% | 50th pct | 48th pct |
| Loan growth YoY | -1.45% | 22th pct | 8th pct |
| Share growth YoY | 4.38% | 56th pct | 52th pct |
| Efficiency ratio | 82.03% | 68th pct | 69th pct |
structural peer set hash: 8eef62dffa58cc58f1119bc3290b3866… (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.