AUBURN UNIVERSITY
Charter #68701 · Auburn, AL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.57% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 2.96% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 0.11% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 48th percentile but its structural peers at the 67th — a 20-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 | AUBURN UNIVERSITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $269.14M | 68th pct | 64th pct |
| Members | 18,122 | 70th pct | 67th pct |
| Net worth ratio | 9.57% | 22th pct | 18th pct |
| Return on average assets | 0.55% | 39th pct | 31th pct |
| Net interest margin | 2.96% | 13th pct | 13th pct |
| Cost of funds | 0.11% | 7th pct | 7th pct |
| Loan-to-share | 61.48% | 30th pct | 36th pct |
| Delinquency 60+ days | 0.59% | 48th pct | 57th pct |
| Net charge-off ratio | 0.34% | 48th pct | 67th pct |
| Loan growth YoY | 10.26% | 98th pct | 93th pct |
| Share growth YoY | 3.41% | 49th pct | 43th pct |
| Efficiency ratio | 79.80% | 55th pct | 56th pct |
structural peer set hash: dd95ebf506a7d612df9ac8e602d31604… (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.