PASADENA MUNICIPAL
Charter #9246 · Pasadena, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.01% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 2.13% sits at the 85th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 11th percentile but its structural peers at the 64th — a 53-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 | PASADENA MUNICIPAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $12.49M | 11th pct | 64th pct |
| Members | 1,252 | 14th pct | 57th pct |
| Net worth ratio | 21.04% | 88th pct | 67th pct |
| Return on average assets | 0.33% | 32th pct | 46th pct |
| Net interest margin | 2.01% | 2th pct | 0th pct |
| Cost of funds | 2.13% | 92th pct | 85th pct |
| Loan-to-share | 97.89% | 98th pct | 90th pct |
| Delinquency 60+ days | 0.40% | 41th pct | 41th pct |
| Net charge-off ratio | 0.05% | 42th pct | 54th pct |
| Loan growth YoY | 2.95% | 87th pct | 80th pct |
| Share growth YoY | 3.74% | 63th pct | 72th pct |
| Efficiency ratio | 87.05% | 67th pct | 57th pct |
structural peer set hash: 698e062d9a640686c8ef87dd3b2e4a1c… (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.