PINN MEMORIAL
Charter #16728 · Philadelphia, PA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 93 sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 17th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 29th percentile but its structural peers at the 59th — a 30-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 | PINN MEMORIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 232,524 | 4th pct | 28th pct |
| Members | 93 | 3th pct | 18th pct |
| Net worth ratio | 21.08% | 62th pct | 52th pct |
| Return on average assets | 0.15% | 39th pct | 43th pct |
| Net interest margin | 3.38% | 29th pct | 59th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 2.94% | 2th pct | 11th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 17th pct |
| Loan growth YoY | -20.97% | 6th pct | 26th pct |
| Share growth YoY | -21.67% | 1th pct | 3th pct |
| Efficiency ratio | 95.48% | 65th pct | 59th pct |
structural peer set hash: ba7891fee6e290114ae1b07834eaf348… (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.