PENTAGON
Charter #227 · MCLEAN, VA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of $2.76M ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.27% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.33% sits at the 92nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.21% sits at the 85th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 69th percentile but its structural peers at the 48th — a 21-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 | PENTAGON | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $29.40B | 99th pct | 93th pct |
| Members | $2.76M | 100th pct | 97th pct |
| Net worth ratio | 10.47% | 43th pct | 48th pct |
| Return on average assets | 1.27% | 84th pct | 84th pct |
| Net interest margin | 2.89% | 21th pct | 28th pct |
| Cost of funds | 2.15% | 69th pct | 48th pct |
| Loan-to-share | 89.08% | 58th pct | 54th pct |
| Delinquency 60+ days | 1.33% | 91th pct | 92th pct |
| Net charge-off ratio | 1.21% | 92th pct | 85th pct |
| Loan growth YoY | -2.15% | 8th pct | 3th pct |
| Share growth YoY | -0.61% | 3th pct | 0th pct |
| Efficiency ratio | 68.18% | 34th pct | 46th pct |
structural peer set hash: d1f75f2d8f9dd54ccdde47ea0d859117… (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.