AMPLIFY
Charter #68681 · Austin, TX · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.29% sits at the 2nd percentile of structural peers — worth a closer look.
- Net interest margin of 2.54% sits at the 13th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.08% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 108.40% sits at the 95th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 18th percentile but its structural peers at the 61st — a 43-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 | AMPLIFY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.27B | 18th pct | 61th pct |
| Members | 47,585 | 3th pct | 43th pct |
| Net worth ratio | 10.70% | 49th pct | 66th pct |
| Return on average assets | -0.29% | 1th pct | 2th pct |
| Net interest margin | 2.54% | 10th pct | 13th pct |
| Cost of funds | 2.03% | 63th pct | 59th pct |
| Loan-to-share | 94.66% | 78th pct | 61th pct |
| Delinquency 60+ days | 0.43% | 29th pct | 34th pct |
| Net charge-off ratio | 0.08% | 4th pct | 23th pct |
| Loan growth YoY | 2.51% | 61th pct | 72th pct |
| Share growth YoY | 2.24% | 21th pct | 30th pct |
| Efficiency ratio | 108.40% | 100th pct | 95th pct |
structural peer set hash: cff768984d77d24aff4044075b70641b… (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.