FIRST COMMONWEALTH
Charter #12765 · Lehigh Valley, PA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.00% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.02% sits at the 75th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.71% sits at the 84th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 40th percentile but its structural peers at the 72nd — a 32-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 | FIRST COMMONWEALTH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.48B | 29th pct | 54th pct |
| Members | 98,419 | 40th pct | 72th pct |
| Net worth ratio | 10.01% | 33th pct | 44th pct |
| Return on average assets | 0.59% | 39th pct | 41th pct |
| Net interest margin | 4.00% | 88th pct | 87th pct |
| Cost of funds | 1.44% | 34th pct | 34th pct |
| Loan-to-share | 83.43% | 41th pct | 41th pct |
| Delinquency 60+ days | 1.02% | 79th pct | 75th pct |
| Net charge-off ratio | 0.71% | 66th pct | 84th pct |
| Loan growth YoY | -0.77% | 17th pct | 21th pct |
| Share growth YoY | 5.11% | 66th pct | 69th pct |
| Efficiency ratio | 73.45% | 53th pct | 30th pct |
structural peer set hash: 24f6036446aa963b7bd8c3becd5ac552… (reproducible)
Closest structural peers
This is the free public view
Claim FIRST COMMONWEALTH
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.