PEOPLES ADVANTAGE
Charter #17464 · Petersburg, VA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 22.30% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 6.66% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.85% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.71% sits at the 84th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.30% sits at the 95th 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 | PEOPLES ADVANTAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $115.77M | 11th pct | 33th pct |
| Members | 9,446 | 28th pct | 39th pct |
| Net worth ratio | 22.30% | 98th pct | 89th pct |
| Return on average assets | 6.66% | 100th pct | 98th pct |
| Net interest margin | 4.85% | 95th pct | 89th pct |
| Cost of funds | 1.71% | 77th pct | 84th pct |
| Loan-to-share | 65.67% | 37th pct | 46th pct |
| Delinquency 60+ days | 2.30% | 96th pct | 95th pct |
| Net charge-off ratio | 1.29% | 94th pct | 84th pct |
| Loan growth YoY | 2.51% | 71th pct | 84th pct |
| Share growth YoY | 7.60% | 90th pct | 90th pct |
| Efficiency ratio | 48.78% | 2th pct | 0th pct |
structural peer set hash: 8c7bfcbe64583c50f0e6dc2c3be1e0cd… (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.