AUSTIN CITY EMPLOYEES
Charter #64186 · Austin, MN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 777 sits at the 0th percentile of structural peers — worth a closer look.
- Net worth ratio of 18.80% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.92% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.19% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
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 | AUSTIN CITY EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $11.48M | 7th pct | 5th pct |
| Members | 777 | 2th pct | 0th pct |
| Net worth ratio | 18.80% | 81th pct | 84th pct |
| Return on average assets | 1.92% | 93th pct | 95th pct |
| Net interest margin | 4.79% | 87th pct | 74th pct |
| Cost of funds | 0.19% | 14th pct | 10th pct |
| Loan-to-share | 69.47% | 70th pct | 61th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 23th pct | 18th pct |
| Loan growth YoY | -0.07% | 70th pct | 67th pct |
| Share growth YoY | 0.85% | 34th pct | 34th pct |
| Efficiency ratio | 63.67% | 15th pct | 10th pct |
structural peer set hash: c14a7f2d582c6a80bbb8690e63b67917… (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.