AMERICAN UNITED
Charter #8187 · West Jordan, UT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.24% sits at the 25th percentile of structural peers — worth a closer look.
- Cost of funds of 2.21% sits at the 98th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.05% sits at the 84th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.17% sits at the 90th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 80th percentile but its structural peers at the 51st — a 29-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 | AMERICAN UNITED | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $394.24M | 88th pct | 66th pct |
| Members | 21,084 | 80th pct | 51th pct |
| Net worth ratio | 11.02% | 43th pct | 66th pct |
| Return on average assets | 0.24% | 19th pct | 25th pct |
| Net interest margin | 3.87% | 65th pct | 51th pct |
| Cost of funds | 2.21% | 93th pct | 98th pct |
| Loan-to-share | 88.21% | 86th pct | 77th pct |
| Delinquency 60+ days | 1.05% | 78th pct | 84th pct |
| Net charge-off ratio | 1.17% | 92th pct | 90th pct |
| Loan growth YoY | -1.64% | 28th pct | 23th pct |
| Share growth YoY | 1.94% | 27th pct | 30th pct |
| Efficiency ratio | 79.78% | 55th pct | 39th pct |
structural peer set hash: 505f9038ef11f6074a4ccf6e6b44ee55… (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.