PSE CREDIT UNION, INC.
Charter #96768 · Parma, OH · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.55% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.19% sits at the 93rd percentile of structural peers — worth a closer look.
- Efficiency ratio of 71.71% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 89th percentile but its structural peers at the 72nd — a 17-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 | PSE CREDIT UNION, INC. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $348.50M | 81th pct | 74th pct |
| Members | 25,559 | 89th pct | 72th pct |
| Net worth ratio | 10.92% | 42th pct | 51th pct |
| Return on average assets | 0.69% | 50th pct | 46th pct |
| Net interest margin | 3.81% | 61th pct | 52th pct |
| Cost of funds | 1.55% | 69th pct | 79th pct |
| Loan-to-share | 67.44% | 40th pct | 39th pct |
| Delinquency 60+ days | 0.60% | 49th pct | 43th pct |
| Net charge-off ratio | 1.19% | 92th pct | 93th pct |
| Loan growth YoY | 1.14% | 58th pct | 56th pct |
| Share growth YoY | 3.22% | 46th pct | 38th pct |
| Efficiency ratio | 71.71% | 28th pct | 20th pct |
structural peer set hash: c9f980838df828802b4f75651b9dd209… (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.