ABOUND
Charter #7000 · Radcliff, KY · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.79% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.03% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 2.63% sits at the 98th percentile of structural peers — worth a closer look.
- Efficiency ratio of 60.96% ranks in the 10th 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 | ABOUND | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.72B | 60th pct | 72th pct |
| Members | 115,025 | 47th pct | 49th pct |
| Net worth ratio | 15.79% | 95th pct | 93th pct |
| Return on average assets | 0.84% | 59th pct | 46th pct |
| Net interest margin | 3.03% | 28th pct | 13th pct |
| Cost of funds | 2.63% | 88th pct | 98th pct |
| Loan-to-share | 87.08% | 52th pct | 46th pct |
| Delinquency 60+ days | 0.54% | 42th pct | 51th pct |
| Net charge-off ratio | 0.68% | 65th pct | 66th pct |
| Loan growth YoY | 3.36% | 69th pct | 69th pct |
| Share growth YoY | 6.23% | 77th pct | 72th pct |
| Efficiency ratio | 60.96% | 14th pct | 10th pct |
structural peer set hash: 72ba1d10d0e22814afa0d5cb1288d8cf… (reproducible)
Closest structural peers
This is the free public view
Claim ABOUND
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.