PALISADES
Charter #4480 · Pearl River, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.12% sits at the 3rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.47% sits at the 75th percentile of structural peers — worth a closer look.
- Efficiency ratio of 93.39% sits at the 93rd percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 87th percentile but its structural peers at the 57th — a 29-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 | PALISADES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $206.96M | 53th pct | 39th pct |
| Members | 12,265 | 45th pct | 33th pct |
| Net worth ratio | 9.21% | 17th pct | 30th pct |
| Return on average assets | -0.12% | 6th pct | 3th pct |
| Net interest margin | 3.82% | 61th pct | 57th pct |
| Cost of funds | 1.45% | 64th pct | 43th pct |
| Loan-to-share | 88.32% | 87th pct | 57th pct |
| Delinquency 60+ days | 0.87% | 70th pct | 72th pct |
| Net charge-off ratio | 0.47% | 62th pct | 75th pct |
| Loan growth YoY | 2.43% | 71th pct | 57th pct |
| Share growth YoY | 3.12% | 44th pct | 52th pct |
| Efficiency ratio | 93.39% | 91th pct | 93th pct |
structural peer set hash: db93e6bce45c308d4a9feeb7e83da6d8… (reproducible)
Closest structural peers
This is the free public view
Claim PALISADES
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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.