PRIMETRUST FINANCIAL
Charter #489 · MUNCIE, IN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.39% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- On Loan growth YoY, the asset-size band puts this credit union at the 40th percentile but its structural peers at the 16th — 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 | PRIMETRUST FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $265.16M | 67th pct | 52th pct |
| Members | 18,575 | 72th pct | 49th pct |
| Net worth ratio | 10.04% | 28th pct | 26th pct |
| Return on average assets | 1.00% | 70th pct | 70th pct |
| Net interest margin | 4.39% | 87th pct | 77th pct |
| Cost of funds | 1.26% | 53th pct | 48th pct |
| Loan-to-share | 81.32% | 71th pct | 56th pct |
| Delinquency 60+ days | 0.36% | 27th pct | 26th pct |
| Net charge-off ratio | 0.28% | 42th pct | 28th pct |
| Loan growth YoY | -0.60% | 40th pct | 16th pct |
| Share growth YoY | 9.18% | 95th pct | 95th pct |
| Efficiency ratio | 80.83% | 58th pct | 57th pct |
structural peer set hash: 9f90301ce8944d4ee5f41523da507cca… (reproducible)
Closest structural peers
This is the free public view
Claim PRIMETRUST FINANCIAL
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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.