PALACE CITY
Charter #13103 · Mitchell, SD · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,562 sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 3.47% sits at the 23rd percentile of structural peers — worth a closer look.
- Cost of funds of 1.37% sits at the 75th 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.
- Net charge-off ratio of -0.04% 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 | PALACE CITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $16.43M | 25th pct | 30th pct |
| Members | 1,562 | 27th pct | 18th pct |
| Net worth ratio | 9.80% | 17th pct | 26th pct |
| Return on average assets | 0.22% | 27th pct | 36th pct |
| Net interest margin | 3.47% | 33th pct | 23th pct |
| Cost of funds | 1.37% | 73th pct | 75th pct |
| Loan-to-share | 46.42% | 31th pct | 46th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -0.04% | 15th pct | 13th pct |
| Loan growth YoY | -1.33% | 59th pct | 68th pct |
| Share growth YoY | -2.71% | 10th pct | 15th pct |
| Efficiency ratio | 94.68% | 82th pct | 77th pct |
structural peer set hash: 455b1146416e893e99d154d50bc85910… (reproducible)
Closest structural peers
This is the free public view
Claim PALACE CITY
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.