FORT LIGONIER
Charter #12505 · JEROME, PA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 348 sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 2.04% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 1.61% sits at the 77th 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.
- On Total assets, the asset-size band puts this credit union at the 42nd percentile but its structural peers at the 11th — a 30-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 | FORT LIGONIER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.10M | 42th pct | 11th pct |
| Members | 348 | 29th pct | 11th pct |
| Net worth ratio | 16.10% | 44th pct | 56th pct |
| Return on average assets | 0.36% | 49th pct | 44th pct |
| Net interest margin | 2.04% | 7th pct | 7th pct |
| Cost of funds | 1.61% | 81th pct | 77th pct |
| Loan-to-share | 32.15% | 21th pct | 23th pct |
| Delinquency 60+ days | 1.49% | 61th pct | 59th pct |
| Net charge-off ratio | 0.00% | 22th pct | 16th pct |
| Loan growth YoY | -11.79% | 22th pct | 18th pct |
| Share growth YoY | 6.40% | 86th pct | 77th pct |
| Efficiency ratio | 86.21% | 51th pct | 54th pct |
structural peer set hash: 778fd8851a7ac0c6d042852115870ac0… (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.