WIDGET
Charter #1117 · Erie, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 49,171 ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.00% sits at the 8th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.20% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 83.85% sits at the 77th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 55th 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 | WIDGET | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $485.10M | 99th pct | 93th pct |
| Members | 49,171 | 100th pct | 97th pct |
| Net worth ratio | 10.40% | 33th pct | 28th pct |
| Return on average assets | 0.57% | 40th pct | 34th pct |
| Net interest margin | 3.00% | 15th pct | 8th pct |
| Cost of funds | 1.30% | 55th pct | 72th pct |
| Loan-to-share | 61.64% | 30th pct | 38th pct |
| Delinquency 60+ days | 0.42% | 33th pct | 33th pct |
| Net charge-off ratio | 0.20% | 32th pct | 16th pct |
| Loan growth YoY | 0.35% | 51th pct | 57th pct |
| Share growth YoY | 5.15% | 72th pct | 72th pct |
| Efficiency ratio | 83.85% | 69th pct | 77th pct |
structural peer set hash: f27659b10a0f3e360e5258fa2fb39134… (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.