AVADIAN
Charter #68583 · Birmingham, AL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.05% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.39% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 25th percentile but its structural peers at the 57th — a 32-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 | AVADIAN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.43B | 25th pct | 57th pct |
| Members | 83,228 | 30th pct | 52th pct |
| Net worth ratio | 10.02% | 33th pct | 48th pct |
| Return on average assets | 1.05% | 76th pct | 80th pct |
| Net interest margin | 3.52% | 61th pct | 44th pct |
| Cost of funds | 1.99% | 61th pct | 69th pct |
| Loan-to-share | 88.26% | 55th pct | 59th pct |
| Delinquency 60+ days | 0.39% | 25th pct | 15th pct |
| Net charge-off ratio | 0.38% | 31th pct | 28th pct |
| Loan growth YoY | 0.81% | 37th pct | 37th pct |
| Share growth YoY | 4.01% | 48th pct | 52th pct |
| Efficiency ratio | 72.19% | 49th pct | 31th pct |
structural peer set hash: 68df70de9400af86aaac07ef62d629b5… (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.