COMMUNITY CONNECT
Charter #11172 · Titusville, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 1.14% sits at the 82nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 70.34% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 42nd percentile but its structural peers at the 66th — a 23-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 | COMMUNITY CONNECT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $27.22M | 55th pct | 36th pct |
| Members | 2,867 | 72th pct | 54th pct |
| Net worth ratio | 12.43% | 40th pct | 39th pct |
| Return on average assets | 1.24% | 78th pct | 74th pct |
| Net interest margin | 4.33% | 72th pct | 69th pct |
| Cost of funds | 0.58% | 37th pct | 52th pct |
| Loan-to-share | 52.61% | 42th pct | 66th pct |
| Delinquency 60+ days | 0.83% | 62th pct | 59th pct |
| Net charge-off ratio | 1.14% | 88th pct | 82th pct |
| Loan growth YoY | 1.30% | 78th pct | 84th pct |
| Share growth YoY | 5.22% | 76th pct | 82th pct |
| Efficiency ratio | 70.34% | 27th pct | 23th pct |
structural peer set hash: c6b6b3fadbcb2c67e8aff2431fb0762a… (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.