PAAC TRANSIT DIVISION
Charter #3810 · Pittsburgh, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,073 ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.78% sits at the 84th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.38% sits at the 84th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 2.74% sits at the 92nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 54.39% ranks in the 8th 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 | PAAC TRANSIT DIVISION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $28.59M | 58th pct | 57th pct |
| Members | 3,073 | 77th pct | 85th pct |
| Net worth ratio | 17.64% | 74th pct | 66th pct |
| Return on average assets | 1.03% | 70th pct | 64th pct |
| Net interest margin | 3.22% | 23th pct | 52th pct |
| Cost of funds | 1.78% | 85th pct | 84th pct |
| Loan-to-share | 26.14% | 6th pct | 26th pct |
| Delinquency 60+ days | 2.38% | 89th pct | 84th pct |
| Net charge-off ratio | 2.74% | 97th pct | 92th pct |
| Loan growth YoY | -3.07% | 45th pct | 67th pct |
| Share growth YoY | 1.71% | 41th pct | 46th pct |
| Efficiency ratio | 54.39% | 5th pct | 8th pct |
structural peer set hash: a6730e280253fd115a516ab037070b4b… (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.