POLICEMEN'S
Charter #18393 · South Bend, IN · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.80% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 1.43% sits at the 93rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.01% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 62.44% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 76th percentile but its structural peers at the 93rd — a 17-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 | POLICEMEN'S | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $94.94M | 94th pct | 82th pct |
| Members | 4,753 | 44th pct | 44th pct |
| Net worth ratio | 16.14% | 77th pct | 74th pct |
| Return on average assets | 1.31% | 78th pct | 69th pct |
| Net interest margin | 2.80% | 11th pct | 2th pct |
| Cost of funds | 1.43% | 76th pct | 93th pct |
| Loan-to-share | 37.39% | 11th pct | 21th pct |
| Delinquency 60+ days | 0.30% | 28th pct | 36th pct |
| Net charge-off ratio | -0.01% | 11th pct | 13th pct |
| Loan growth YoY | -1.39% | 51th pct | 56th pct |
| Share growth YoY | 6.45% | 84th pct | 82th pct |
| Efficiency ratio | 62.44% | 14th pct | 11th pct |
structural peer set hash: 5ef73533795488cbf550fcdc467576ac… (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.