PAGODA
Charter #15532 · READING, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.74% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.42% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.14% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.93% sits at the 80th percentile of structural peers — worth a closer look.
- Efficiency ratio of 66.21% ranks in the 15th 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 | PAGODA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $33.04M | 68th pct | 43th pct |
| Members | 2,599 | 65th pct | 43th pct |
| Net worth ratio | 11.35% | 30th pct | 41th pct |
| Return on average assets | 1.74% | 90th pct | 95th pct |
| Net interest margin | 4.42% | 75th pct | 85th pct |
| Cost of funds | 0.14% | 9th pct | 10th pct |
| Loan-to-share | 33.82% | 14th pct | 39th pct |
| Delinquency 60+ days | 0.30% | 37th pct | 28th pct |
| Net charge-off ratio | 0.93% | 85th pct | 80th pct |
| Loan growth YoY | -2.46% | 50th pct | 56th pct |
| Share growth YoY | 6.15% | 81th pct | 90th pct |
| Efficiency ratio | 66.21% | 19th pct | 15th pct |
structural peer set hash: b968b0dd5ab206b43ec654fd29d2f5ae… (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.