PEAR ORCHARD
Charter #17105 · Beaumont, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 315 sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 2.95% sits at the 15th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 36.42% 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 | PEAR ORCHARD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 889,787 | 15th pct | 5th pct |
| Members | 315 | 27th pct | 25th pct |
| Net worth ratio | 23.78% | 72th pct | 67th pct |
| Return on average assets | 0.05% | 34th pct | 30th pct |
| Net interest margin | 2.95% | 20th pct | 15th pct |
| Cost of funds | 0.25% | 35th pct | 30th pct |
| Loan-to-share | 56.05% | 47th pct | 38th pct |
| Delinquency 60+ days | 36.42% | 99th pct | 98th pct |
| Net charge-off ratio | 0.00% | 22th pct | 26th pct |
| Loan growth YoY | -14.16% | 15th pct | 20th pct |
| Share growth YoY | 0.11% | 50th pct | 49th pct |
| Efficiency ratio | 93.93% | 62th pct | 66th pct |
structural peer set hash: 9b0bbb4395a890277087557062dafc6d… (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.