PATRIOT EQUITY
Charter #60082 · JACKSON, TN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 10.50% sits at the 16th percentile of structural peers — worth a closer look.
- Return on average assets of 0.03% sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 0.06% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.34% sits at the 80th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.74% sits at the 95th percentile of structural peers — worth a closer look.
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 | PATRIOT EQUITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $33.83M | 69th pct | 52th pct |
| Members | 2,069 | 48th pct | 41th pct |
| Net worth ratio | 10.50% | 22th pct | 16th pct |
| Return on average assets | 0.03% | 19th pct | 16th pct |
| Net interest margin | 3.72% | 44th pct | 38th pct |
| Cost of funds | 0.06% | 5th pct | 2th pct |
| Loan-to-share | 61.07% | 56th pct | 52th pct |
| Delinquency 60+ days | 2.34% | 88th pct | 80th pct |
| Net charge-off ratio | 1.74% | 94th pct | 95th pct |
| Loan growth YoY | -10.55% | 6th pct | 0th pct |
| Share growth YoY | 1.32% | 38th pct | 38th pct |
| Efficiency ratio | 90.98% | 75th pct | 80th pct |
structural peer set hash: 0617fb3cbd1c9a653c61e03672f36440… (reproducible)
Closest structural peers
This is the free public view
Claim PATRIOT EQUITY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.