APL
Charter #9475 · Laurel, MD · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 31,150 sits at the 7th percentile of structural peers — worth a closer look.
- Return on average assets of 0.39% sits at the 16th percentile of structural peers — worth a closer look.
- Net interest margin of 2.74% sits at the 3rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.14% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 82.28% sits at the 79th percentile of structural peers — worth a closer look.
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 | APL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $709.50M | 50th pct | 36th pct |
| Members | 31,150 | 19th pct | 7th pct |
| Net worth ratio | 11.54% | 66th pct | 74th pct |
| Return on average assets | 0.39% | 27th pct | 16th pct |
| Net interest margin | 2.74% | 11th pct | 3th pct |
| Cost of funds | 1.47% | 49th pct | 52th pct |
| Loan-to-share | 74.12% | 31th pct | 43th pct |
| Delinquency 60+ days | 0.49% | 39th pct | 39th pct |
| Net charge-off ratio | 0.14% | 14th pct | 5th pct |
| Loan growth YoY | 2.41% | 66th pct | 56th pct |
| Share growth YoY | 4.46% | 57th pct | 56th pct |
| Efficiency ratio | 82.28% | 69th pct | 79th pct |
structural peer set hash: e11af0a09eb04996e65f060d4c3926f3… (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.