AURGROUP
Charter #96761 · Fairfield, OH · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.73% sits at the 8th percentile of structural peers — worth a closer look.
- Net interest margin of 3.74% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.46% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 56th percentile but its structural peers at the 80th — a 25-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 | AURGROUP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $204.37M | 52th pct | 51th pct |
| Members | 12,939 | 49th pct | 46th pct |
| Net worth ratio | 8.73% | 11th pct | 8th pct |
| Return on average assets | 0.85% | 60th pct | 57th pct |
| Net interest margin | 3.74% | 56th pct | 80th pct |
| Cost of funds | 0.46% | 18th pct | 18th pct |
| Loan-to-share | 60.58% | 28th pct | 33th pct |
| Delinquency 60+ days | 0.57% | 47th pct | 54th pct |
| Net charge-off ratio | 0.28% | 41th pct | 52th pct |
| Loan growth YoY | 0.08% | 49th pct | 52th pct |
| Share growth YoY | 3.06% | 44th pct | 43th pct |
| Efficiency ratio | 81.18% | 59th pct | 59th pct |
structural peer set hash: 576bbbd8071bc8a185ab8bac24024b56… (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.