AMERICU
Charter #68433 · Rome, NY · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.44% sits at the 25th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.27% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.12% sits at the 89th percentile of structural peers — worth a closer look.
- Efficiency ratio of 65.70% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 83rd percentile but its structural peers at the 67th — a 16-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 | AMERICU | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.01B | 65th pct | 57th pct |
| Members | 205,600 | 73th pct | 74th pct |
| Net worth ratio | 9.44% | 20th pct | 25th pct |
| Return on average assets | 0.73% | 50th pct | 39th pct |
| Net interest margin | 3.79% | 78th pct | 70th pct |
| Cost of funds | 2.22% | 73th pct | 57th pct |
| Loan-to-share | 96.94% | 83th pct | 67th pct |
| Delinquency 60+ days | 1.27% | 89th pct | 89th pct |
| Net charge-off ratio | 1.12% | 89th pct | 89th pct |
| Loan growth YoY | 2.80% | 64th pct | 64th pct |
| Share growth YoY | 7.99% | 86th pct | 92th pct |
| Efficiency ratio | 65.70% | 24th pct | 18th pct |
structural peer set hash: 3c79a4ae68cf30dd5724bd35735936fa… (reproducible)
Closest structural peers
This is the free public view
Claim AMERICU
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.