PRIME FINANCIAL
Charter #66449 · Cudahy, WI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.80% sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 5.02% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 94.12% sits at the 92nd percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 86th percentile but its structural peers at the 69th — a 17-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 | PRIME FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $161.98M | 36th pct | 26th pct |
| Members | 15,983 | 63th pct | 48th pct |
| Net worth ratio | 9.80% | 25th pct | 21th pct |
| Return on average assets | 0.45% | 33th pct | 41th pct |
| Net interest margin | 5.02% | 97th pct | 85th pct |
| Cost of funds | 0.75% | 27th pct | 26th pct |
| Loan-to-share | 93.56% | 95th pct | 90th pct |
| Delinquency 60+ days | 0.90% | 71th pct | 64th pct |
| Net charge-off ratio | 0.89% | 86th pct | 69th pct |
| Loan growth YoY | 0.02% | 48th pct | 44th pct |
| Share growth YoY | 0.83% | 15th pct | 11th pct |
| Efficiency ratio | 94.12% | 93th pct | 92th pct |
structural peer set hash: 597a3b8b0cf9830ae306d047e7fd1b7c… (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.