PATRIOT
Charter #64856 · Saint Louis, MO · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.35% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 3.72% sits at the 18th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.96% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 72.14% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
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 | PATRIOT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $15.91M | 23th pct | 28th pct |
| Members | 1,524 | 25th pct | 26th pct |
| Net worth ratio | 8.35% | 7th pct | 10th pct |
| Return on average assets | 0.82% | 58th pct | 64th pct |
| Net interest margin | 3.72% | 44th pct | 18th pct |
| Cost of funds | 0.90% | 53th pct | 43th pct |
| Loan-to-share | 90.75% | 94th pct | 85th pct |
| Delinquency 60+ days | 1.96% | 84th pct | 77th pct |
| Net charge-off ratio | 0.00% | 23th pct | 25th pct |
| Loan growth YoY | -8.24% | 13th pct | 7th pct |
| Share growth YoY | -3.20% | 7th pct | 8th pct |
| Efficiency ratio | 72.14% | 31th pct | 16th pct |
structural peer set hash: 697a9f2ab95f1769163057dbd017d720… (reproducible)
Closest structural peers
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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.