PATHFINDER
Charter #9148 · Casper, WY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.30% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- On Share growth YoY, the asset-size band puts this credit union at the 34th percentile but its structural peers at the 18th — a 16-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 | PATHFINDER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $70.08M | 47th pct | 43th pct |
| Members | 4,352 | 35th pct | 26th pct |
| Net worth ratio | 10.97% | 30th pct | 39th pct |
| Return on average assets | 0.89% | 61th pct | 59th pct |
| Net interest margin | 4.30% | 82th pct | 82th pct |
| Cost of funds | 1.29% | 70th pct | 64th pct |
| Loan-to-share | 69.26% | 66th pct | 57th pct |
| Delinquency 60+ days | 0.65% | 52th pct | 54th pct |
| Net charge-off ratio | 0.08% | 29th pct | 30th pct |
| Loan growth YoY | -3.20% | 34th pct | 21th pct |
| Share growth YoY | 1.43% | 34th pct | 18th pct |
| Efficiency ratio | 84.45% | 64th pct | 61th pct |
structural peer set hash: 1fd5bb75bfb0c405e8721b2b144b9863… (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.