POLISH NATIONAL
Charter #66597 · Chicopee, MA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.67% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.05% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 97th percentile but its structural peers at the 72nd — a 24-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 | POLISH NATIONAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $765.43M | 63th pct | 39th pct |
| Members | 28,647 | 13th pct | 30th pct |
| Net worth ratio | 13.67% | 86th pct | 89th pct |
| Return on average assets | 0.61% | 48th pct | 62th pct |
| Net interest margin | 3.00% | 20th pct | 41th pct |
| Cost of funds | 1.20% | 31th pct | 28th pct |
| Loan-to-share | 102.00% | 97th pct | 72th pct |
| Delinquency 60+ days | 0.37% | 27th pct | 28th pct |
| Net charge-off ratio | -0.05% | 0th pct | 0th pct |
| Loan growth YoY | 0.33% | 45th pct | 44th pct |
| Share growth YoY | 2.93% | 35th pct | 51th pct |
| Efficiency ratio | 80.92% | 62th pct | 46th pct |
structural peer set hash: 435d3ff60c904d271ebd0906c77d17f5… (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.