PARTNERSHIP FINANCIAL
Charter #62854 · MORTON GROVE, IL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.35% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.07% sits at the 97th percentile of structural peers — worth a closer look.
- Efficiency ratio of 58.99% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 29th percentile but its structural peers at the 59th — a 30-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 | PARTNERSHIP FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $397.72M | 89th pct | 75th pct |
| Members | 14,364 | 56th pct | 44th pct |
| Net worth ratio | 12.13% | 58th pct | 56th pct |
| Return on average assets | 1.35% | 84th pct | 89th pct |
| Net interest margin | 3.30% | 29th pct | 59th pct |
| Cost of funds | 2.07% | 90th pct | 97th pct |
| Loan-to-share | 48.88% | 11th pct | 23th pct |
| Delinquency 60+ days | 0.60% | 49th pct | 56th pct |
| Net charge-off ratio | 0.11% | 20th pct | 26th pct |
| Loan growth YoY | 4.11% | 82th pct | 82th pct |
| Share growth YoY | 3.00% | 43th pct | 44th pct |
| Efficiency ratio | 58.99% | 7th pct | 5th pct |
structural peer set hash: 9f5a08aa8536333b55f193d1d491d2f0… (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.