EARNING TREE
Charter #12333 · Wilkes Barre, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 1.49% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 2.85% sits at the 93rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 3.08% sits at the 92nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 98th percentile but its structural peers at the 80th — 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 | EARNING TREE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $48.11M | 98th pct | 80th pct |
| Members | 1,868 | 41th pct | 38th pct |
| Net worth ratio | 10.44% | 21th pct | 30th pct |
| Return on average assets | 0.44% | 38th pct | 30th pct |
| Net interest margin | 1.49% | 1th pct | 8th pct |
| Cost of funds | 2.85% | 98th pct | 93th pct |
| Loan-to-share | 15.51% | 1th pct | 7th pct |
| Delinquency 60+ days | 3.08% | 93th pct | 92th pct |
| Net charge-off ratio | 0.00% | 23th pct | 28th pct |
| Loan growth YoY | -4.33% | 35th pct | 48th pct |
| Share growth YoY | 4.15% | 67th pct | 67th pct |
| Efficiency ratio | 70.17% | 27th pct | 34th pct |
structural peer set hash: 23f773251b3bb9090fed3d75cddb8357… (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.