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.
| Metric | ST. PATS EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.50M | 65th pct | 36th pct |
| Members | 649 | 55th pct | 31th pct |
| Net worth ratio | 12.35% | 24th pct | 52th pct |
| Return on average assets | 0.96% | 70th pct | 82th pct |
| Net interest margin | 2.69% | 16th pct | 10th pct |
| Cost of funds | 1.63% | 81th pct | 84th pct |
| Loan-to-share | 41.37% | 31th pct | 44th pct |
| Delinquency 60+ days | 2.24% | 70th pct | 67th pct |
| Net charge-off ratio | 0.00% | 22th pct | 30th pct |
| Loan growth YoY | -5.94% | 46th pct | 61th pct |
| Share growth YoY | -0.29% | 47th pct | 28th pct |
| Efficiency ratio | 64.60% | 20th pct | 7th pct |
structural peer set hash: 8035ca526faaecf21a0d76dd47ac3471… (reproducible)
Closest structural peers
This is the free public view
Claim ST. PATS EMPLOYEES
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.