ADVANTAGE
Charter #64030 · Newton, IA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 7,154 sits at the 13th percentile of structural peers — worth a closer look.
- Net worth ratio of 15.05% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.96% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.15% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 3.15% sits at the 98th percentile of structural peers — worth a closer look.
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 | ADVANTAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $106.46M | 5th pct | 16th pct |
| Members | 7,154 | 12th pct | 13th pct |
| Net worth ratio | 15.05% | 85th pct | 77th pct |
| Return on average assets | 1.11% | 75th pct | 69th pct |
| Net interest margin | 4.96% | 96th pct | 97th pct |
| Cost of funds | 1.19% | 48th pct | 54th pct |
| Loan-to-share | 67.42% | 40th pct | 33th pct |
| Delinquency 60+ days | 3.15% | 99th pct | 98th pct |
| Net charge-off ratio | 3.15% | 100th pct | 98th pct |
| Loan growth YoY | -8.48% | 1th pct | 0th pct |
| Share growth YoY | 2.68% | 38th pct | 30th pct |
| Efficiency ratio | 67.63% | 20th pct | 18th pct |
structural peer set hash: 0423ab8ad1d39fb15275a21cd4f4a972… (reproducible)
Closest structural peers
This is the free public view
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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.