PAMPA MUNICIPAL
Charter #67621 · Pampa, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 586 sits at the 15th percentile of structural peers — worth a closer look.
- Return on average assets of 1.62% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.17% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.03% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 50th percentile but its structural peers at the 15th — a 35-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 | PAMPA MUNICIPAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.40M | 64th pct | 33th pct |
| Members | 586 | 50th pct | 15th pct |
| Net worth ratio | 14.02% | 32th pct | 52th pct |
| Return on average assets | 1.62% | 85th pct | 85th pct |
| Net interest margin | 4.01% | 49th pct | 36th pct |
| Cost of funds | 0.17% | 27th pct | 10th pct |
| Loan-to-share | 91.88% | 88th pct | 85th pct |
| Delinquency 60+ days | 1.37% | 60th pct | 69th pct |
| Net charge-off ratio | -0.03% | 18th pct | 13th pct |
| Loan growth YoY | -7.01% | 40th pct | 13th pct |
| Share growth YoY | 3.72% | 75th pct | 64th pct |
| Efficiency ratio | 76.10% | 33th pct | 43th pct |
structural peer set hash: 8949c9d6021fafafbd489ba727ee1785… (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.