KENNAFORD
Charter #12900 · Bedford, PA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 31.86% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.38% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 3.56% sits at the 25th percentile of structural peers — worth a closer look.
- Efficiency ratio of 107.69% sits at the 85th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 65th percentile but its structural peers at the 44th — a 21-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 | KENNAFORD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.91M | 49th pct | 43th pct |
| Members | 690 | 60th pct | 56th pct |
| Net worth ratio | 31.86% | 88th pct | 82th pct |
| Return on average assets | -0.38% | 24th pct | 23th pct |
| Net interest margin | 3.56% | 35th pct | 25th pct |
| Cost of funds | 0.50% | 51th pct | 46th pct |
| Loan-to-share | 70.71% | 65th pct | 44th pct |
| Delinquency 60+ days | 2.03% | 68th pct | 62th pct |
| Net charge-off ratio | 0.46% | 82th pct | 74th pct |
| Loan growth YoY | -6.68% | 42th pct | 44th pct |
| Share growth YoY | -1.18% | 39th pct | 41th pct |
| Efficiency ratio | 107.69% | 80th pct | 85th pct |
structural peer set hash: 66bc6bf2f0e23abdb9b9a34b4a19ab5b… (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.