YOUR CHOICE
Charter #11972 · ALTOONA, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,398 sits at the 20th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.08% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 24th percentile but its structural peers at the 48th — 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 | YOUR CHOICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $13.85M | 16th pct | 10th pct |
| Members | 1,398 | 21th pct | 20th pct |
| Net worth ratio | 12.40% | 40th pct | 33th pct |
| Return on average assets | 1.32% | 80th pct | 74th pct |
| Net interest margin | 3.56% | 37th pct | 48th pct |
| Cost of funds | 0.36% | 24th pct | 48th pct |
| Loan-to-share | 25.97% | 6th pct | 20th pct |
| Delinquency 60+ days | 0.44% | 43th pct | 35th pct |
| Net charge-off ratio | -0.08% | 11th pct | 13th pct |
| Loan growth YoY | 8.48% | 97th pct | 98th pct |
| Share growth YoY | 6.32% | 83th pct | 82th pct |
| Efficiency ratio | 70.20% | 27th pct | 31th pct |
structural peer set hash: 669ebe2727f03bd52c7899f9e9a4e4d0… (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.