PINELLAS
Charter #10880 · Largo, FL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.33% sits at the 18th 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 | PINELLAS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $172.49M | 40th pct | 33th pct |
| Members | 10,772 | 36th pct | 43th pct |
| Net worth ratio | 12.81% | 67th pct | 66th pct |
| Return on average assets | 0.63% | 44th pct | 39th pct |
| Net interest margin | 3.33% | 30th pct | 18th pct |
| Cost of funds | 1.04% | 40th pct | 49th pct |
| Loan-to-share | 67.29% | 40th pct | 36th pct |
| Delinquency 60+ days | 0.79% | 64th pct | 59th pct |
| Net charge-off ratio | 0.27% | 40th pct | 43th pct |
| Loan growth YoY | 3.43% | 78th pct | 89th pct |
| Share growth YoY | 0.95% | 16th pct | 11th pct |
| Efficiency ratio | 83.52% | 68th pct | 70th pct |
structural peer set hash: ffb54fc43e3255d57653e100153438b8… (reproducible)
Closest structural peers
This is the free public view
Claim PINELLAS
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.