PACE
Charter #11323 · Huntington, WV · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 91st percentile but its structural peers at the 13th — a 78-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 | PACE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.63M | 91th pct | 13th pct |
| Members | 1,200 | 89th pct | 33th pct |
| Net worth ratio | 12.87% | 27th pct | 51th pct |
| Return on average assets | 0.88% | 67th pct | 74th pct |
| Net interest margin | 3.84% | 43th pct | 30th pct |
| Cost of funds | 0.21% | 29th pct | 30th pct |
| Loan-to-share | 59.04% | 50th pct | 56th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 25th pct |
| Loan growth YoY | -11.10% | 24th pct | 8th pct |
| Share growth YoY | -1.15% | 39th pct | 25th pct |
| Efficiency ratio | 76.02% | 32th pct | 26th pct |
structural peer set hash: 73dc8ec0a11b13ac13b2c3b0797f58ac… (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.