AMERICAN 1
Charter #65595 · JACKSON, MI · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 67,556 ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 15.27% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.42% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.14% sits at the 85th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 2.63% sits at the 90th 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 | AMERICAN 1 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $666.87M | 41th pct | 84th pct |
| Members | 67,556 | 94th pct | 90th pct |
| Net worth ratio | 15.27% | 94th pct | 75th pct |
| Return on average assets | 0.33% | 24th pct | 33th pct |
| Net interest margin | 5.42% | 99th pct | 90th pct |
| Cost of funds | 0.95% | 22th pct | 52th pct |
| Loan-to-share | 83.51% | 55th pct | 80th pct |
| Delinquency 60+ days | 2.14% | 98th pct | 85th pct |
| Net charge-off ratio | 2.63% | 99th pct | 90th pct |
| Loan growth YoY | -3.21% | 9th pct | 25th pct |
| Share growth YoY | 2.75% | 31th pct | 48th pct |
| Efficiency ratio | 75.22% | 34th pct | 39th pct |
structural peer set hash: a111f59c6bebf55b37d530f112f705d4… (reproducible)
Closest structural peers
This is the free public view
Claim AMERICAN 1
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.