PFCU
Charter #68690 · Portland, MI · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.13% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.33% ranks in the 21st 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 | PFCU | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $858.87M | 80th pct | 72th pct |
| Members | 57,192 | 83th pct | 72th pct |
| Net worth ratio | 11.12% | 60th pct | 57th pct |
| Return on average assets | 0.92% | 68th pct | 69th pct |
| Net interest margin | 4.13% | 88th pct | 87th pct |
| Cost of funds | 0.90% | 20th pct | 34th pct |
| Loan-to-share | 72.93% | 29th pct | 39th pct |
| Delinquency 60+ days | 0.33% | 25th pct | 21th pct |
| Net charge-off ratio | 0.51% | 58th pct | 49th pct |
| Loan growth YoY | 2.19% | 62th pct | 56th pct |
| Share growth YoY | 4.42% | 56th pct | 41th pct |
| Efficiency ratio | 76.78% | 44th pct | 51th pct |
structural peer set hash: cead8b1314654e485f460102b04365ec… (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.