POLY SCIENTIFIC EMPLOYEES
Charter #13544 · BLACKSBURG, VA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 25.63% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 4.67% sits at the 92nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.11% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 67th percentile but its structural peers at the 36th — a 31-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 | POLY SCIENTIFIC EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.61M | 67th pct | 36th pct |
| Members | 696 | 61th pct | 31th pct |
| Net worth ratio | 25.63% | 77th pct | 82th pct |
| Return on average assets | 0.51% | 54th pct | 46th pct |
| Net interest margin | 3.64% | 37th pct | 51th pct |
| Cost of funds | 0.96% | 64th pct | 54th pct |
| Loan-to-share | 64.11% | 57th pct | 52th pct |
| Delinquency 60+ days | 4.67% | 85th pct | 92th pct |
| Net charge-off ratio | -0.11% | 13th pct | 8th pct |
| Loan growth YoY | -17.68% | 9th pct | 2th pct |
| Share growth YoY | 0.40% | 52th pct | 52th pct |
| Efficiency ratio | 74.11% | 29th pct | 30th pct |
structural peer set hash: d149089f4623da31619d130c747b05f9… (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.