PAHO/WHO
Charter #6464 · Arlington, VA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,977 sits at the 20th percentile of structural peers — worth a closer look.
- Net worth ratio of 14.26% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.71% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 1.50% sits at the 80th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.60% sits at the 92nd 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 | PAHO/WHO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $325.82M | 77th pct | 66th pct |
| Members | 6,977 | 11th pct | 20th pct |
| Net worth ratio | 14.26% | 81th pct | 87th pct |
| Return on average assets | 0.43% | 31th pct | 46th pct |
| Net interest margin | 2.71% | 7th pct | 21th pct |
| Cost of funds | 1.50% | 67th pct | 80th pct |
| Loan-to-share | 56.07% | 20th pct | 33th pct |
| Delinquency 60+ days | 0.64% | 52th pct | 48th pct |
| Net charge-off ratio | 0.60% | 73th pct | 92th pct |
| Loan growth YoY | -3.28% | 15th pct | 16th pct |
| Share growth YoY | 0.80% | 15th pct | 26th pct |
| Efficiency ratio | 81.89% | 62th pct | 51th pct |
structural peer set hash: aa2e71b9e2b99d2b061dd17f2e5b7a13… (reproducible)
Closest structural peers
This is the free public view
Claim PAHO/WHO
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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.