P C
Charter #10704 · PORT ALLEGANY, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.05% sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 3.09% sits at the 97th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.88% sits at the 90th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 19th percentile but its structural peers at the 43rd — a 24-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 | P C | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $14.28M | 19th pct | 43th pct |
| Members | 1,402 | 21th pct | 38th pct |
| Net worth ratio | 12.50% | 41th pct | 34th pct |
| Return on average assets | 0.29% | 31th pct | 49th pct |
| Net interest margin | 3.05% | 18th pct | 16th pct |
| Cost of funds | 3.09% | 99th pct | 97th pct |
| Loan-to-share | 84.17% | 88th pct | 80th pct |
| Delinquency 60+ days | 2.88% | 92th pct | 90th pct |
| Net charge-off ratio | 0.37% | 66th pct | 67th pct |
| Loan growth YoY | -3.08% | 44th pct | 43th pct |
| Share growth YoY | 2.13% | 46th pct | 49th pct |
| Efficiency ratio | 91.76% | 76th pct | 57th pct |
structural peer set hash: 4e4e2ce0f4847761188fb9dcc58a0a70… (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.