PUBLIC SERVICE
Charter #66461 · Wausau, WI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 988 sits at the 10th percentile of structural peers — worth a closer look.
- Return on average assets of 0.03% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 3.17% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 1.74% sits at the 75th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.05% ranks in the 13th 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 | PUBLIC SERVICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $13.15M | 14th pct | 11th pct |
| Members | 988 | 5th pct | 10th pct |
| Net worth ratio | 20.25% | 86th pct | 64th pct |
| Return on average assets | 0.03% | 19th pct | 10th pct |
| Net interest margin | 3.17% | 21th pct | 8th pct |
| Cost of funds | 1.74% | 84th pct | 75th pct |
| Loan-to-share | 103.51% | 99th pct | 89th pct |
| Delinquency 60+ days | 0.05% | 15th pct | 13th pct |
| Net charge-off ratio | -0.00% | 22th pct | 21th pct |
| Loan growth YoY | 9.14% | 98th pct | 92th pct |
| Share growth YoY | 7.00% | 86th pct | 85th pct |
| Efficiency ratio | 97.57% | 87th pct | 89th pct |
structural peer set hash: 09d7dbb63665b37dd015bcbace091f1e… (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.