Aac

Grand Rapids, MI · 2 · Charter #62217 · www.goaac.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$205.5M
91th percentile
Members
14,960
90th percentile
Total loans
$121.0M
86th percentile
Total shares
$154.1M
83th percentile

Profitability

Return on assets
1.55%
79th percentile
Net interest margin
3.57%
45th percentile
Efficiency ratio
52.04%
79th percentile
Non-interest income ratio
20.23%
65th percentile

Capital & Risk

Net worth ratio
24.22%
98th percentile
Delinquency rate
0.56%
61th percentile
Net charge-off rate
0.25%
59th percentile
Loan-to-share
78.48%
68th percentile

Growth

Member growth YoY
1.62%
76th percentile
Asset growth YoY
5.42%
63th percentile
Loan growth YoY
-1.55%
33th percentile
Share growth YoY
4.57%
61th percentile

Operations

Members / branch
1,870
18th percentile
Assets / member
$13,737
44th percentile
Field of membership penetration
0.15%
1th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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