ARCADIA
Charter #66532 · Arcadia, WI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 7,002 sits at the 20th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.03% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 69.87% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 87th percentile but its structural peers at the 57th — a 30-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 | ARCADIA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $141.97M | 27th pct | 18th pct |
| Members | 7,002 | 12th pct | 20th pct |
| Net worth ratio | 12.75% | 66th pct | 74th pct |
| Return on average assets | 1.23% | 80th pct | 72th pct |
| Net interest margin | 3.47% | 38th pct | 48th pct |
| Cost of funds | 1.94% | 87th pct | 66th pct |
| Loan-to-share | 88.80% | 87th pct | 57th pct |
| Delinquency 60+ days | 0.37% | 28th pct | 41th pct |
| Net charge-off ratio | 0.03% | 9th pct | 15th pct |
| Loan growth YoY | 5.12% | 87th pct | 79th pct |
| Share growth YoY | 5.49% | 76th pct | 72th pct |
| Efficiency ratio | 69.87% | 25th pct | 25th pct |
structural peer set hash: cf533ccb6412616918f55daa330144ab… (reproducible)
Closest structural peers
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Claim ARCADIA
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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.