Auto-Owners Associates

LANSING, MI · 2 · Charter #62543 · www.aoacu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$42.0M
92th percentile
Members
2,565
78th percentile
Total loans
$7.1M
54th percentile
Total shares
$34.1M
90th percentile

Profitability

Return on assets
1.85%
88th percentile
Net interest margin
3.23%
25th percentile
Efficiency ratio
42.62%
91th percentile
Non-interest income ratio
12.01%
59th percentile

Capital & Risk

Net worth ratio
18.51%
68th percentile
Delinquency rate
0.12%
76th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
20.82%
6th percentile

Growth

Member growth YoY
-0.35%
63th percentile
Asset growth YoY
0.62%
46th percentile
Loan growth YoY
-4.32%
45th percentile
Share growth YoY
-1.49%
37th percentile

Operations

Members / branch
2,565
87th percentile
Assets / member
$16,384
90th percentile
Field of membership penetration
43.47%
59th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

Want the full picture for Auto-Owners Associates?

This is a free public preview. Tudovu's Industry Data Explorer adds custom peer groups, 10+ years of history, side-by-side comparisons, and one-click downloadable peer reports — used by credit unions to plan their next quarter.

See Tudovu →Free demo