PATRIOT
Charter #16574 · CHAMBERSBURG, PA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.24% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.24% sits at the 23rd percentile of structural peers — worth a closer look.
- Cost of funds of 2.09% sits at the 79th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.29% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.29% 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 | PATRIOT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.33B | 21th pct | 74th pct |
| Members | 81,733 | 29th pct | 70th pct |
| Net worth ratio | 11.35% | 62th pct | 66th pct |
| Return on average assets | 1.24% | 82th pct | 85th pct |
| Net interest margin | 3.24% | 43th pct | 23th pct |
| Cost of funds | 2.09% | 66th pct | 79th pct |
| Loan-to-share | 81.00% | 35th pct | 43th pct |
| Delinquency 60+ days | 0.29% | 13th pct | 11th pct |
| Net charge-off ratio | 0.29% | 22th pct | 13th pct |
| Loan growth YoY | 1.34% | 43th pct | 31th pct |
| Share growth YoY | 6.46% | 79th pct | 77th pct |
| Efficiency ratio | 66.83% | 27th pct | 16th pct |
structural peer set hash: 6817b148a7e0bd1b25561a7471f6f159… (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.