AVESTAR
Charter #66537 · Waterloo, WI · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.15% sits at the 16th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.44% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.50% sits at the 85th percentile of structural peers — worth a closer look.
- On Loan growth YoY, the asset-size band puts this credit union at the 39th percentile but its structural peers at the 18th — a 21-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 | AVESTAR | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $66.48M | 41th pct | 48th pct |
| Members | 5,873 | 64th pct | 61th pct |
| Net worth ratio | 11.97% | 41th pct | 59th pct |
| Return on average assets | 0.15% | 19th pct | 16th pct |
| Net interest margin | 4.51% | 88th pct | 72th pct |
| Cost of funds | 1.32% | 72th pct | 56th pct |
| Loan-to-share | 91.86% | 97th pct | 77th pct |
| Delinquency 60+ days | 1.44% | 85th pct | 82th pct |
| Net charge-off ratio | 0.50% | 71th pct | 85th pct |
| Loan growth YoY | -2.48% | 39th pct | 18th pct |
| Share growth YoY | 2.77% | 48th pct | 38th pct |
| Efficiency ratio | 85.26% | 66th pct | 69th pct |
structural peer set hash: 5703c0226d47a9e306aab20f5f22db63… (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.