POLICE
Charter #16401 · UPPER MARLBORO, MD · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.24% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.03% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 2.53% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 1.71% sits at the 77th percentile of structural peers — worth a closer look.
- Efficiency ratio of 98.22% sits at the 98th percentile of structural peers — worth a closer look.
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 | POLICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $175.78M | 41th pct | 43th pct |
| Members | 13,960 | 54th pct | 61th pct |
| Net worth ratio | 14.24% | 81th pct | 82th pct |
| Return on average assets | -0.03% | 7th pct | 5th pct |
| Net interest margin | 2.53% | 5th pct | 2th pct |
| Cost of funds | 1.71% | 78th pct | 77th pct |
| Loan-to-share | 79.33% | 67th pct | 54th pct |
| Delinquency 60+ days | 0.41% | 32th pct | 33th pct |
| Net charge-off ratio | 0.12% | 21th pct | 26th pct |
| Loan growth YoY | 0.11% | 49th pct | 39th pct |
| Share growth YoY | 1.03% | 18th pct | 34th pct |
| Efficiency ratio | 98.22% | 96th pct | 98th pct |
structural peer set hash: 533789004350591be7dd9c1f3433398b… (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.