FRIENDLY
Charter #10184 · Aliquippa, PA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 17.01% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.02% sits at the 16th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.48% sits at the 95th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 39th percentile but its structural peers at the 56th — 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 | FRIENDLY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $68.26M | 43th pct | 52th pct |
| Members | 4,472 | 39th pct | 56th pct |
| Net worth ratio | 17.01% | 81th pct | 82th pct |
| Return on average assets | 0.77% | 55th pct | 52th pct |
| Net interest margin | 3.02% | 18th pct | 16th pct |
| Cost of funds | 0.65% | 31th pct | 34th pct |
| Loan-to-share | 46.33% | 24th pct | 41th pct |
| Delinquency 60+ days | 2.48% | 96th pct | 95th pct |
| Net charge-off ratio | 0.27% | 52th pct | 54th pct |
| Loan growth YoY | 0.85% | 70th pct | 75th pct |
| Share growth YoY | -1.07% | 10th pct | 13th pct |
| Efficiency ratio | 70.48% | 27th pct | 30th pct |
structural peer set hash: 09865325eb1f19f7508bb5050bf10fa0… (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.