ARMCO
Charter #65291 · BUTLER, PA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.39% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.89% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.07% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 55th percentile but its structural peers at the 31st — a 24-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 | ARMCO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $717.64M | 51th pct | 33th pct |
| Members | 43,497 | 55th pct | 31th pct |
| Net worth ratio | 13.39% | 85th pct | 80th pct |
| Return on average assets | 0.72% | 57th pct | 48th pct |
| Net interest margin | 2.89% | 15th pct | 5th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 80.09% | 47th pct | 46th pct |
| Delinquency 60+ days | 0.47% | 36th pct | 30th pct |
| Net charge-off ratio | 0.07% | 6th pct | 0th pct |
| Loan growth YoY | 8.41% | 95th pct | 95th pct |
| Share growth YoY | 2.63% | 29th pct | 26th pct |
| Efficiency ratio | 76.87% | 44th pct | 57th pct |
structural peer set hash: af840968ab36633643901e5f5cd93db2… (reproducible)
Closest structural peers
This is the free public view
Claim ARMCO
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.