PATTERSON
Charter #11902 · ARKADELPHIA, AR · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 17.27% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.53% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.11% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.08% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 63.81% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
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 | PATTERSON | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $37.49M | 77th pct | 57th pct |
| Members | 3,918 | 90th pct | 57th pct |
| Net worth ratio | 17.27% | 73th pct | 77th pct |
| Return on average assets | 2.53% | 98th pct | 92th pct |
| Net interest margin | 4.62% | 82th pct | 57th pct |
| Cost of funds | 1.05% | 61th pct | 67th pct |
| Loan-to-share | 82.44% | 87th pct | 72th pct |
| Delinquency 60+ days | 0.11% | 23th pct | 13th pct |
| Net charge-off ratio | -0.08% | 11th pct | 16th pct |
| Loan growth YoY | 1.19% | 78th pct | 66th pct |
| Share growth YoY | 4.35% | 69th pct | 52th pct |
| Efficiency ratio | 63.81% | 15th pct | 13th pct |
structural peer set hash: 07620adb65599c9d431994e7b21e79e2… (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.