PARK CITY
Charter #67196 · Merrill, WI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.32% sits at the 20th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 86th percentile but its structural peers at the 62nd — 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 | PARK CITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $390.01M | 88th pct | 69th pct |
| Members | 25,973 | 90th pct | 72th pct |
| Net worth ratio | 9.88% | 26th pct | 33th pct |
| Return on average assets | 0.77% | 55th pct | 54th pct |
| Net interest margin | 3.32% | 30th pct | 20th pct |
| Cost of funds | 1.47% | 65th pct | 51th pct |
| Loan-to-share | 88.10% | 86th pct | 62th pct |
| Delinquency 60+ days | 0.46% | 38th pct | 39th pct |
| Net charge-off ratio | 0.29% | 42th pct | 48th pct |
| Loan growth YoY | 3.39% | 78th pct | 57th pct |
| Share growth YoY | 3.27% | 47th pct | 39th pct |
| Efficiency ratio | 74.84% | 37th pct | 33th pct |
structural peer set hash: 1641ee1709da112345f031df97f6f624… (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.