PARK SIDE FINANCIAL
Charter #68647 · Whitefish, MT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 30,171 ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.04% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.27% sits at the 10th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.12% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 74.63% ranks in the 18th 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 | PARK SIDE FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $389.09M | 87th pct | 82th pct |
| Members | 30,171 | 94th pct | 93th pct |
| Net worth ratio | 9.32% | 18th pct | 30th pct |
| Return on average assets | 1.04% | 71th pct | 79th pct |
| Net interest margin | 3.27% | 27th pct | 10th pct |
| Cost of funds | 1.55% | 69th pct | 70th pct |
| Loan-to-share | 77.53% | 61th pct | 51th pct |
| Delinquency 60+ days | 0.54% | 44th pct | 30th pct |
| Net charge-off ratio | 0.12% | 21th pct | 8th pct |
| Loan growth YoY | -1.24% | 33th pct | 28th pct |
| Share growth YoY | 2.25% | 31th pct | 25th pct |
| Efficiency ratio | 74.63% | 36th pct | 18th pct |
structural peer set hash: db0cc8070f1c6e7e2c04172571dc920d… (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.