AMERICAN LAKE
Charter #68371 · Lakewood, WA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.61% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 4.28% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.50% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 3.54% sits at the 98th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 25th percentile but its structural peers at the 57th — a 33-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 | AMERICAN LAKE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $58.56M | 22th pct | 52th pct |
| Members | 4,552 | 41th pct | 51th pct |
| Net worth ratio | 13.97% | 62th pct | 59th pct |
| Return on average assets | -0.61% | 5th pct | 5th pct |
| Net interest margin | 4.28% | 81th pct | 85th pct |
| Cost of funds | 0.55% | 26th pct | 41th pct |
| Loan-to-share | 46.84% | 25th pct | 57th pct |
| Delinquency 60+ days | 2.50% | 96th pct | 97th pct |
| Net charge-off ratio | 3.54% | 100th pct | 98th pct |
| Loan growth YoY | -5.76% | 14th pct | 28th pct |
| Share growth YoY | -1.25% | 10th pct | 11th pct |
| Efficiency ratio | 79.42% | 48th pct | 61th pct |
structural peer set hash: 214798ad4b224859c782a370e430964a… (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.