PECU
Charter #67428 · Austin, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.31% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.05% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 61.69% ranks in the 8th 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 | PECU | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $439.08M | 94th pct | 89th pct |
| Members | 21,602 | 82th pct | 67th pct |
| Net worth ratio | 14.31% | 82th pct | 77th pct |
| Return on average assets | 0.95% | 67th pct | 57th pct |
| Net interest margin | 3.40% | 34th pct | 44th pct |
| Cost of funds | 0.05% | 4th pct | 3th pct |
| Loan-to-share | 58.59% | 24th pct | 26th pct |
| Delinquency 60+ days | 0.52% | 43th pct | 56th pct |
| Net charge-off ratio | 0.41% | 54th pct | 61th pct |
| Loan growth YoY | -4.65% | 7th pct | 7th pct |
| Share growth YoY | 0.01% | 10th pct | 8th pct |
| Efficiency ratio | 61.69% | 10th pct | 8th pct |
structural peer set hash: a296e555e2798439a5900a39654f8db3… (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.