AUBURN COMMUNITY
Charter #988 · AUBURN, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.30% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.11% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.02% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 15th percentile but its structural peers at the 61st — a 45-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 | AUBURN COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $123.49M | 15th pct | 61th pct |
| Members | 7,831 | 17th pct | 61th pct |
| Net worth ratio | 12.32% | 61th pct | 48th pct |
| Return on average assets | 1.00% | 70th pct | 61th pct |
| Net interest margin | 3.80% | 59th pct | 69th pct |
| Cost of funds | 0.30% | 13th pct | 15th pct |
| Loan-to-share | 35.68% | 3th pct | 15th pct |
| Delinquency 60+ days | 0.11% | 7th pct | 16th pct |
| Net charge-off ratio | -0.02% | 3th pct | 10th pct |
| Loan growth YoY | 6.31% | 92th pct | 97th pct |
| Share growth YoY | 6.25% | 82th pct | 87th pct |
| Efficiency ratio | 78.14% | 48th pct | 57th pct |
structural peer set hash: 6ac06e9cf677daa184dd6f989a18c1c1… (reproducible)
Closest structural peers
This is the free public view
Claim AUBURN COMMUNITY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.