A.S.H. EMPLOYEES
Charter #64967 · ANNA, IL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 5.11% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.07% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.04% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 66th percentile but its structural peers at the 8th — a 58-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 | A.S.H. EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.54M | 66th pct | 8th pct |
| Members | 1,170 | 88th pct | 34th pct |
| Net worth ratio | 19.56% | 58th pct | 74th pct |
| Return on average assets | 0.98% | 72th pct | 69th pct |
| Net interest margin | 5.11% | 80th pct | 77th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 94.97% | 91th pct | 92th pct |
| Delinquency 60+ days | 0.07% | 30th pct | 13th pct |
| Net charge-off ratio | -0.04% | 17th pct | 15th pct |
| Loan growth YoY | -2.44% | 63th pct | 51th pct |
| Share growth YoY | 0.63% | 54th pct | 39th pct |
| Efficiency ratio | 81.33% | 42th pct | 34th pct |
structural peer set hash: af70fd5286dfc47569e5834020b7be1d… (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.