PHI BETA SIGMA
Charter #24262 · Washington, DC · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,000 ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 9.86% sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 5.67% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.00% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 9.75% sits at the 92nd 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 | PHI BETA SIGMA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 969,569 | 16th pct | 10th pct |
| Members | 2,000 | 97th pct | 87th pct |
| Net worth ratio | 9.86% | 12th pct | 21th pct |
| Return on average assets | 0.23% | 43th pct | 44th pct |
| Net interest margin | 5.67% | 88th pct | 87th pct |
| Cost of funds | 0.00% | 0th pct | 2th pct |
| Loan-to-share | 59.07% | 50th pct | 49th pct |
| Delinquency 60+ days | 9.75% | 94th pct | 92th pct |
| Net charge-off ratio | 10.52% | 99th pct | 95th pct |
| Loan growth YoY | 10.08% | 93th pct | 97th pct |
| Share growth YoY | 6.85% | 88th pct | 87th pct |
| Efficiency ratio | 98.37% | 70th pct | 72th pct |
structural peer set hash: accddcd23d6c4f274a30158747b521af… (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.