POLAM
Charter #21502 · Redwood City, CA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.75% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 1.03% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.43% sits at the 95th percentile of structural peers — worth a closer look.
- Efficiency ratio of 121.61% sits at the 97th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 58th percentile but its structural peers at the 23rd — a 35-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 | POLAM | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $73.63M | 54th pct | 30th pct |
| Members | 3,794 | 25th pct | 36th pct |
| Net worth ratio | 13.60% | 59th pct | 61th pct |
| Return on average assets | -0.75% | 4th pct | 5th pct |
| Net interest margin | 2.89% | 13th pct | 28th pct |
| Cost of funds | 1.03% | 58th pct | 23th pct |
| Loan-to-share | 91.63% | 96th pct | 64th pct |
| Delinquency 60+ days | 3.43% | 99th pct | 95th pct |
| Net charge-off ratio | 0.08% | 30th pct | 44th pct |
| Loan growth YoY | -10.91% | 2th pct | 3th pct |
| Share growth YoY | -3.63% | 3th pct | 8th pct |
| Efficiency ratio | 121.61% | 99th pct | 97th pct |
structural peer set hash: 6a96fbc008f7b1ebbc6b664376654dc6… (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.