AVANTI
Charter #8801 · WATERTOWN, SD · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.14% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.48% sits at the 85th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 3.63% sits at the 97th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 74th percentile but its structural peers at the 43rd — a 32-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 | AVANTI | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $31.81M | 65th pct | 39th pct |
| Members | 2,963 | 74th pct | 43th pct |
| Net worth ratio | 11.13% | 27th pct | 54th pct |
| Return on average assets | 1.14% | 73th pct | 77th pct |
| Net interest margin | 4.18% | 66th pct | 48th pct |
| Cost of funds | 1.48% | 77th pct | 85th pct |
| Loan-to-share | 67.26% | 66th pct | 61th pct |
| Delinquency 60+ days | 3.63% | 95th pct | 97th pct |
| Net charge-off ratio | 0.72% | 79th pct | 69th pct |
| Loan growth YoY | -10.30% | 6th pct | 2th pct |
| Share growth YoY | -1.09% | 18th pct | 11th pct |
| Efficiency ratio | 70.85% | 28th pct | 26th pct |
structural peer set hash: 8bbf3485ea3b7e4ce5d981dbba9d5e62… (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.