PAINESVILLE CREDIT UNION
Charter #63679 · Painesville, OH · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 5,960 ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.12% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 3.87% sits at the 25th percentile of structural peers — worth a closer look.
- Efficiency ratio of 95.88% sits at the 93rd percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 50th percentile but its structural peers at the 25th — a 26-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 | PAINESVILLE CREDIT UNION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $45.72M | 94th pct | 82th pct |
| Members | 5,960 | 99th pct | 84th pct |
| Net worth ratio | 16.24% | 67th pct | 70th pct |
| Return on average assets | 0.12% | 23th pct | 10th pct |
| Net interest margin | 3.87% | 50th pct | 25th pct |
| Cost of funds | 0.50% | 33th pct | 34th pct |
| Loan-to-share | 68.04% | 68th pct | 61th pct |
| Delinquency 60+ days | 0.32% | 37th pct | 33th pct |
| Net charge-off ratio | 0.30% | 62th pct | 64th pct |
| Loan growth YoY | 0.31% | 72th pct | 67th pct |
| Share growth YoY | -1.63% | 15th pct | 16th pct |
| Efficiency ratio | 95.88% | 84th pct | 93th pct |
structural peer set hash: 7d71603c7eb56aeded2bbf1bd20fe294… (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.