PUTNAM SCHOOL EMPLOYEES
Charter #21107 · ELEANOR, WV · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 20.87% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 3.05% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 7.32% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.93% sits at the 80th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
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 | PUTNAM SCHOOL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $14.05M | 17th pct | 39th pct |
| Members | 1,892 | 42th pct | 59th pct |
| Net worth ratio | 20.87% | 88th pct | 80th pct |
| Return on average assets | 3.05% | 99th pct | 97th pct |
| Net interest margin | 7.32% | 100th pct | 98th pct |
| Cost of funds | 1.93% | 89th pct | 80th pct |
| Loan-to-share | 60.33% | 54th pct | 41th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -0.20% | 6th pct | 8th pct |
| Loan growth YoY | -4.30% | 35th pct | 43th pct |
| Share growth YoY | 0.49% | 30th pct | 30th pct |
| Efficiency ratio | 58.26% | 9th pct | 18th pct |
structural peer set hash: ffea48696b10df6ea1be881691da0c31… (reproducible)
Closest structural peers
This is the free public view
Claim PUTNAM SCHOOL 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.