AMERICA'S
Charter #67470 · GARLAND, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 31,666 ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 15.27% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.08% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 4.40% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.14% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
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 | AMERICA'S | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $422.47M | 92th pct | 85th pct |
| Members | 31,666 | 95th pct | 85th pct |
| Net worth ratio | 15.27% | 87th pct | 84th pct |
| Return on average assets | -0.08% | 7th pct | 3th pct |
| Net interest margin | 4.40% | 87th pct | 82th pct |
| Cost of funds | 0.14% | 8th pct | 16th pct |
| Loan-to-share | 77.92% | 63th pct | 51th pct |
| Delinquency 60+ days | 0.46% | 38th pct | 33th pct |
| Net charge-off ratio | 1.29% | 94th pct | 92th pct |
| Loan growth YoY | 1.92% | 65th pct | 72th pct |
| Share growth YoY | 1.45% | 21th pct | 26th pct |
| Efficiency ratio | 97.89% | 96th pct | 98th pct |
structural peer set hash: a84b982f3c58d87ade96e28e35c9b3e3… (reproducible)
Closest structural peers
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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.