AMERICA'S CHRISTIAN
Charter #68062 · Glendora, CA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 150,078 ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.81% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 2.81% sits at the 93rd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 72nd percentile but its structural peers at the 43rd — 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 | AMERICA'S CHRISTIAN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $818.41M | 72th pct | 43th pct |
| Members | 150,078 | 100th pct | 97th pct |
| Net worth ratio | 9.08% | 20th pct | 31th pct |
| Return on average assets | 0.53% | 43th pct | 46th pct |
| Net interest margin | 2.81% | 12th pct | 20th pct |
| Cost of funds | 2.81% | 97th pct | 93th pct |
| Loan-to-share | 86.40% | 66th pct | 46th pct |
| Delinquency 60+ days | 1.00% | 79th pct | 72th pct |
| Net charge-off ratio | 0.27% | 33th pct | 52th pct |
| Loan growth YoY | 6.37% | 93th pct | 93th pct |
| Share growth YoY | 7.08% | 87th pct | 87th pct |
| Efficiency ratio | 78.67% | 53th pct | 44th pct |
structural peer set hash: 481d0cdc5f037053053dc9d106b8cce7… (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.