KINZUA
Charter #11391 · Warren, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.16% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 93.28% sits at the 77th percentile of structural peers — worth a closer look.
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 | KINZUA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $16.59M | 26th pct | 18th pct |
| Members | 1,825 | 39th pct | 28th pct |
| Net worth ratio | 14.52% | 56th pct | 57th pct |
| Return on average assets | 0.24% | 28th pct | 28th pct |
| Net interest margin | 3.61% | 38th pct | 39th pct |
| Cost of funds | 0.16% | 11th pct | 11th pct |
| Loan-to-share | 28.92% | 8th pct | 20th pct |
| Delinquency 60+ days | 0.84% | 62th pct | 66th pct |
| Net charge-off ratio | 0.11% | 48th pct | 36th pct |
| Loan growth YoY | -3.75% | 40th pct | 31th pct |
| Share growth YoY | 6.00% | 80th pct | 80th pct |
| Efficiency ratio | 93.28% | 79th pct | 77th pct |
structural peer set hash: 27a3e78b9e15b679391be79a1f34f843… (reproducible)
Closest structural peers
This is the free public view
Claim KINZUA
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.