MAC
Charter #8080 · Fairbanks, AK · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 5.46% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.64% sits at the 79th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.13% sits at the 85th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.91% sits at the 98th percentile of structural peers — worth a closer look.
- Efficiency ratio of 69.81% ranks in the 15th 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 | MAC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $175.88M | 42th pct | 33th pct |
| Members | 18,242 | 71th pct | 52th pct |
| Net worth ratio | 11.40% | 49th pct | 51th pct |
| Return on average assets | 0.96% | 67th pct | 62th pct |
| Net interest margin | 5.46% | 99th pct | 97th pct |
| Cost of funds | 1.64% | 74th pct | 79th pct |
| Loan-to-share | 87.60% | 85th pct | 84th pct |
| Delinquency 60+ days | 1.13% | 81th pct | 85th pct |
| Net charge-off ratio | 1.91% | 98th pct | 98th pct |
| Loan growth YoY | -6.38% | 3th pct | 2th pct |
| Share growth YoY | 5.20% | 73th pct | 85th pct |
| Efficiency ratio | 69.81% | 24th pct | 15th pct |
structural peer set hash: da63b2b6bb1ea6c8e0dfe7752ca0f478… (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.