ACCESS
Charter #97097 · BROADVIEW, IL · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.13% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 4.25% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.42% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 90.63% 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 | ACCESS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $58.63M | 22th pct | 33th pct |
| Members | 4,843 | 46th pct | 49th pct |
| Net worth ratio | 13.67% | 60th pct | 69th pct |
| Return on average assets | 0.13% | 19th pct | 23th pct |
| Net interest margin | 4.25% | 79th pct | 77th pct |
| Cost of funds | 0.42% | 19th pct | 18th pct |
| Loan-to-share | 59.80% | 47th pct | 51th pct |
| Delinquency 60+ days | 0.89% | 67th pct | 61th pct |
| Net charge-off ratio | 0.29% | 54th pct | 46th pct |
| Loan growth YoY | -1.48% | 51th pct | 57th pct |
| Share growth YoY | 0.63% | 23th pct | 31th pct |
| Efficiency ratio | 90.63% | 82th pct | 79th pct |
structural peer set hash: eed40f2b069cebd487b52b29386f1be0… (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.