C-B-W SCHOOLS
Charter #11374 · SIDMAN, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 29.71% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.28% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 1.71% sits at the 80th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 48.75% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
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 | C-B-W SCHOOLS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $130.69M | 20th pct | 69th pct |
| Members | 7,211 | 13th pct | 69th pct |
| Net worth ratio | 29.71% | 100th pct | 93th pct |
| Return on average assets | 1.24% | 80th pct | 48th pct |
| Net interest margin | 2.28% | 2th pct | 10th pct |
| Cost of funds | 1.71% | 77th pct | 80th pct |
| Loan-to-share | 28.38% | 2th pct | 16th pct |
| Delinquency 60+ days | 0.29% | 21th pct | 38th pct |
| Net charge-off ratio | 0.00% | 5th pct | 16th pct |
| Loan growth YoY | -2.64% | 19th pct | 49th pct |
| Share growth YoY | 5.45% | 76th pct | 82th pct |
| Efficiency ratio | 48.75% | 2th pct | 18th pct |
structural peer set hash: 045417aac7ebb52758a77ae7322d2621… (reproducible)
Closest structural peers
This is the free public view
Claim C-B-W SCHOOLS
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.