P.I.A.S.
Charter #67779 · Brentwood, TN · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 527 sits at the 23rd percentile of structural peers — worth a closer look.
- Cost of funds of 0.08% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 52nd percentile but its structural peers at the 28th — 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 | P.I.A.S. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.27M | 52th pct | 28th pct |
| Members | 527 | 45th pct | 23th pct |
| Net worth ratio | 17.16% | 49th pct | 62th pct |
| Return on average assets | 0.34% | 48th pct | 39th pct |
| Net interest margin | 4.03% | 50th pct | 38th pct |
| Cost of funds | 0.08% | 18th pct | 8th pct |
| Loan-to-share | 64.11% | 57th pct | 43th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 18th pct |
| Loan growth YoY | 0.23% | 76th pct | 77th pct |
| Share growth YoY | 8.35% | 90th pct | 92th pct |
| Efficiency ratio | 92.00% | 59th pct | 70th pct |
structural peer set hash: 9a932431095b1d2e5000d2f52e288c82… (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.