PIMA
Charter #7316 · Tucson, AZ · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.16% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.09% sits at the 77th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.16% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 61.93% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 23rd percentile but its structural peers at the 56th — a 33-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 | PIMA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.68B | 37th pct | 64th pct |
| Members | 74,422 | 23th pct | 56th pct |
| Net worth ratio | 9.26% | 17th pct | 26th pct |
| Return on average assets | 1.16% | 80th pct | 79th pct |
| Net interest margin | 3.24% | 44th pct | 38th pct |
| Cost of funds | 2.09% | 66th pct | 77th pct |
| Loan-to-share | 76.06% | 24th pct | 28th pct |
| Delinquency 60+ days | 0.16% | 5th pct | 11th pct |
| Net charge-off ratio | 0.46% | 43th pct | 70th pct |
| Loan growth YoY | -1.37% | 12th pct | 8th pct |
| Share growth YoY | 12.96% | 96th pct | 98th pct |
| Efficiency ratio | 61.93% | 16th pct | 8th pct |
structural peer set hash: fc72aa9c9d59aa66a8116b5fda5de148… (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.