ST. PASCHAL BAYLONS
Charter #11992 · HIGHLAND HEIGHT, OH · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 257 sits at the 7th percentile of structural peers — worth a closer look.
- Net interest margin of 1.24% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 3.44% sits at the 98th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 69th percentile but its structural peers at the 31st — a 38-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 | ST. PASCHAL BAYLONS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.80M | 69th pct | 31th pct |
| Members | 257 | 20th pct | 7th pct |
| Net worth ratio | 12.82% | 26th pct | 48th pct |
| Return on average assets | 0.19% | 40th pct | 30th pct |
| Net interest margin | 1.24% | 3th pct | 3th pct |
| Cost of funds | 3.44% | 98th pct | 98th pct |
| Loan-to-share | 5.67% | 3th pct | 5th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 39th pct |
| Loan growth YoY | -27.16% | 3th pct | 3th pct |
| Share growth YoY | 1.45% | 60th pct | 49th pct |
| Efficiency ratio | 84.43% | 47th pct | 59th pct |
structural peer set hash: 43f9563ed332e7578db87f799c1c5143… (reproducible)
Closest structural peers
This is the free public view
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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.