PATENT AND TRADEMARK OFFICE
Charter #4936 · ALEXANDRIA, VA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 6.97% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 0.04% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.69% sits at the 90th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 2.03% sits at the 95th 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 51st — a 18-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 | PATENT AND TRADEMARK OFFICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $40.60M | 84th pct | 67th pct |
| Members | 2,745 | 69th pct | 51th pct |
| Net worth ratio | 6.97% | 2th pct | 2th pct |
| Return on average assets | 0.59% | 47th pct | 46th pct |
| Net interest margin | 3.55% | 36th pct | 33th pct |
| Cost of funds | 0.04% | 3th pct | 10th pct |
| Loan-to-share | 50.33% | 38th pct | 38th pct |
| Delinquency 60+ days | 2.69% | 91th pct | 90th pct |
| Net charge-off ratio | 2.03% | 95th pct | 95th pct |
| Loan growth YoY | -13.79% | 2th pct | 2th pct |
| Share growth YoY | 1.76% | 42th pct | 34th pct |
| Efficiency ratio | 84.01% | 59th pct | 56th pct |
structural peer set hash: 3faaa5b3efc262629a638b1004805398… (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.