PARDA
Charter #21686 · Auburn Hills, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.63% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.17% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 4.08% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.43% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.58% sits at the 75th percentile of structural peers — worth a closer look.
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 | PARDA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $216.76M | 55th pct | 48th pct |
| Members | 14,763 | 58th pct | 61th pct |
| Net worth ratio | 13.63% | 76th pct | 82th pct |
| Return on average assets | 0.17% | 15th pct | 10th pct |
| Net interest margin | 4.08% | 75th pct | 84th pct |
| Cost of funds | 0.43% | 17th pct | 18th pct |
| Loan-to-share | 60.19% | 27th pct | 38th pct |
| Delinquency 60+ days | 0.43% | 35th pct | 44th pct |
| Net charge-off ratio | 0.58% | 71th pct | 75th pct |
| Loan growth YoY | 3.32% | 77th pct | 85th pct |
| Share growth YoY | 3.40% | 49th pct | 36th pct |
| Efficiency ratio | 92.38% | 89th pct | 92th pct |
structural peer set hash: 778b3be6600fc6b5d0e97871de45cf82… (reproducible)
Closest structural peers
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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.