PONTIAC DWIGHT PRISON EMPLOYS
Charter #60299 · PONTIAC, IL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.21% sits at the 8th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 62.67% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 87th percentile but its structural peers at the 36th — a 51-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 | PONTIAC DWIGHT PRISON EMPLOYS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.11M | 87th pct | 36th pct |
| Members | 923 | 79th pct | 41th pct |
| Net worth ratio | 10.71% | 17th pct | 30th pct |
| Return on average assets | 0.82% | 66th pct | 67th pct |
| Net interest margin | 2.21% | 9th pct | 8th pct |
| Cost of funds | 1.43% | 77th pct | 74th pct |
| Loan-to-share | 39.58% | 29th pct | 34th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 23th pct |
| Loan growth YoY | -6.86% | 41th pct | 38th pct |
| Share growth YoY | 0.44% | 53th pct | 38th pct |
| Efficiency ratio | 62.67% | 18th pct | 11th pct |
structural peer set hash: ac39247003b7216b5c37521f2287c51c… (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.