POLISH-AMERICAN
Charter #22280 · Troy, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 12.95% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.37% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.88% sits at the 92nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 59.66% ranks in the 13th 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 | POLISH-AMERICAN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $188.19M | 47th pct | 46th pct |
| Members | 7,404 | 14th pct | 26th pct |
| Net worth ratio | 12.95% | 69th pct | 82th pct |
| Return on average assets | 1.37% | 85th pct | 82th pct |
| Net interest margin | 3.08% | 18th pct | 31th pct |
| Cost of funds | 1.85% | 82th pct | 67th pct |
| Loan-to-share | 76.50% | 59th pct | 38th pct |
| Delinquency 60+ days | 1.88% | 94th pct | 92th pct |
| Net charge-off ratio | 0.00% | 5th pct | 11th pct |
| Loan growth YoY | 0.04% | 49th pct | 34th pct |
| Share growth YoY | 7.09% | 88th pct | 80th pct |
| Efficiency ratio | 59.66% | 8th pct | 13th pct |
structural peer set hash: b746453c8c19275cbcfc1ec556e01e94… (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.