IAA
Charter #68423 · Bloomington, IL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.82% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.01% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 2.97% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.13% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 65.08% ranks in the 15th 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 | IAA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $414.15M | 91th pct | 82th pct |
| Members | 18,165 | 70th pct | 44th pct |
| Net worth ratio | 13.82% | 77th pct | 82th pct |
| Return on average assets | 1.13% | 76th pct | 72th pct |
| Net interest margin | 3.01% | 15th pct | 11th pct |
| Cost of funds | 2.97% | 99th pct | 98th pct |
| Loan-to-share | 67.58% | 41th pct | 41th pct |
| Delinquency 60+ days | 0.43% | 35th pct | 34th pct |
| Net charge-off ratio | 0.13% | 23th pct | 21th pct |
| Loan growth YoY | 2.41% | 70th pct | 74th pct |
| Share growth YoY | 6.15% | 81th pct | 82th pct |
| Efficiency ratio | 65.08% | 15th pct | 15th pct |
structural peer set hash: 8b80985b57c733ddb7ca53c7fb2b035e… (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.