A.U.B. EMPLOYEES'
Charter #68161 · Athens, TN · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 211 sits at the 2nd percentile of structural peers — worth a closer look.
- Return on average assets of -4.26% sits at the 2nd percentile of structural peers — worth a closer look.
- Net interest margin of 3.81% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 2.11% sits at the 85th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 5.55% sits at the 97th 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 | A.U.B. EMPLOYEES' | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.42M | 23th pct | 10th pct |
| Members | 211 | 16th pct | 2th pct |
| Net worth ratio | 27.06% | 80th pct | 67th pct |
| Return on average assets | -4.26% | 5th pct | 2th pct |
| Net interest margin | 3.81% | 43th pct | 11th pct |
| Cost of funds | 2.11% | 89th pct | 85th pct |
| Loan-to-share | 117.10% | 98th pct | 92th pct |
| Delinquency 60+ days | 1.72% | 64th pct | 74th pct |
| Net charge-off ratio | 5.55% | 96th pct | 97th pct |
| Loan growth YoY | -3.66% | 58th pct | 36th pct |
| Share growth YoY | -2.41% | 31th pct | 23th pct |
| Efficiency ratio | 89.26% | 55th pct | 69th pct |
structural peer set hash: 9cd25d1e9922e0a4e96b911053cba179… (reproducible)
Closest structural peers
This is the free public view
Claim A.U.B. EMPLOYEES'
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.