PWC EMPLOYEES
Charter #24971 · Woodbridge, VA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,964 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.24% sits at the 80th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.13% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 12th percentile but its structural peers at the 36th — a 24-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 | PWC EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $85.27M | 76th pct | 69th pct |
| Members | 6,964 | 79th pct | 79th pct |
| Net worth ratio | 14.01% | 63th pct | 57th pct |
| Return on average assets | 0.77% | 55th pct | 52th pct |
| Net interest margin | 3.51% | 39th pct | 38th pct |
| Cost of funds | 1.24% | 67th pct | 80th pct |
| Loan-to-share | 38.09% | 12th pct | 36th pct |
| Delinquency 60+ days | 0.80% | 63th pct | 59th pct |
| Net charge-off ratio | 0.13% | 36th pct | 25th pct |
| Loan growth YoY | -7.16% | 8th pct | 16th pct |
| Share growth YoY | 1.84% | 38th pct | 44th pct |
| Efficiency ratio | 78.98% | 47th pct | 54th pct |
structural peer set hash: f08f0c3c675b534e81b0a4a1d255b52e… (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.