ST. PATS EMPLOYEES

Charter #19017 · Missoula, MT · <$10M

Public 5300 data · as of 2026Q1

What the numbers say

  • Return on average assets of 0.96% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
  • Net interest margin of 2.69% sits at the 10th percentile of structural peers — worth a closer look.
  • Cost of funds of 1.63% sits at the 84th percentile of structural peers — worth a closer look.
  • Efficiency ratio of 64.60% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
  • On Total assets, the asset-size band puts this credit union at the 65th percentile but its structural peers at the 36th — a 29-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.

MetricST. PATS EMPLOYEESAsset-tier percentileStructural percentile
Total assets$5.50M65th pct36th pct
Members64955th pct31th pct
Net worth ratio12.35%24th pct52th pct
Return on average assets0.96%70th pct82th pct
Net interest margin2.69%16th pct10th pct
Cost of funds1.63%81th pct84th pct
Loan-to-share41.37%31th pct44th pct
Delinquency 60+ days2.24%70th pct67th pct
Net charge-off ratio0.00%22th pct30th pct
Loan growth YoY-5.94%46th pct61th pct
Share growth YoY-0.29%47th pct28th pct
Efficiency ratio64.60%20th pct7th pct

structural peer set hash: 8035ca526faaecf21a0d76dd47ac3471… (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.