PIPEFITTERS-STEAMFITTERS
Charter #63157 · Woodbury, MN · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.32% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.81% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.31% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.98% sits at the 75th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 5th percentile but its structural peers at the 43rd — a 37-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 | PIPEFITTERS-STEAMFITTERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $51.63M | 5th pct | 43th pct |
| Members | 3,768 | 24th pct | 36th pct |
| Net worth ratio | 13.24% | 54th pct | 46th pct |
| Return on average assets | 1.32% | 79th pct | 84th pct |
| Net interest margin | 4.81% | 93th pct | 92th pct |
| Cost of funds | 0.31% | 14th pct | 18th pct |
| Loan-to-share | 57.43% | 45th pct | 70th pct |
| Delinquency 60+ days | 0.98% | 71th pct | 75th pct |
| Net charge-off ratio | 0.23% | 48th pct | 31th pct |
| Loan growth YoY | -7.39% | 8th pct | 7th pct |
| Share growth YoY | 5.30% | 76th pct | 80th pct |
| Efficiency ratio | 75.05% | 36th pct | 33th pct |
structural peer set hash: 9fbf63b48d65825aedaa4e4ffb2f4b95… (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.