PYRAMID
Charter #24826 · Tucson, AZ · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.01% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.35% sits at the 85th percentile of structural peers — worth a closer look.
- On Members, 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 | PYRAMID | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $252.21M | 64th pct | 56th pct |
| Members | 17,727 | 69th pct | 48th pct |
| Net worth ratio | 10.48% | 34th pct | 39th pct |
| Return on average assets | 1.01% | 70th pct | 77th pct |
| Net interest margin | 3.49% | 39th pct | 31th pct |
| Cost of funds | 1.08% | 42th pct | 61th pct |
| Loan-to-share | 62.02% | 30th pct | 33th pct |
| Delinquency 60+ days | 1.35% | 87th pct | 85th pct |
| Net charge-off ratio | 0.61% | 73th pct | 64th pct |
| Loan growth YoY | 4.12% | 82th pct | 87th pct |
| Share growth YoY | 1.78% | 25th pct | 15th pct |
| Efficiency ratio | 73.61% | 33th pct | 28th pct |
structural peer set hash: 68927f44bc152c956f52cfef2421957b… (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.