NORTH PENN
Charter #10720 · COLMAR, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,281 sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 2.81% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 1.48% sits at the 95th percentile of structural peers — worth a closer look.
- Efficiency ratio of 67.37% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 40th percentile but its structural peers at the 16th — 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 | NORTH PENN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $21.66M | 40th pct | 16th pct |
| Members | 1,281 | 16th pct | 11th pct |
| Net worth ratio | 11.98% | 36th pct | 46th pct |
| Return on average assets | 0.94% | 66th pct | 56th pct |
| Net interest margin | 2.81% | 12th pct | 18th pct |
| Cost of funds | 1.48% | 77th pct | 95th pct |
| Loan-to-share | 27.47% | 7th pct | 21th pct |
| Delinquency 60+ days | 0.80% | 61th pct | 57th pct |
| Net charge-off ratio | 0.44% | 69th pct | 72th pct |
| Loan growth YoY | -1.06% | 61th pct | 67th pct |
| Share growth YoY | 2.37% | 48th pct | 51th pct |
| Efficiency ratio | 67.37% | 22th pct | 25th pct |
structural peer set hash: 6a2776410c09a27c1265a7d3cebf4a15… (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.