DISCOVERY
Charter #12935 · WYOMISSING, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 9,023 sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 1.68% sits at the 82nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.40% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.15% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
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 | DISCOVERY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $192.16M | 49th pct | 43th pct |
| Members | 9,023 | 25th pct | 13th pct |
| Net worth ratio | 11.42% | 49th pct | 56th pct |
| Return on average assets | 0.90% | 64th pct | 70th pct |
| Net interest margin | 3.74% | 56th pct | 51th pct |
| Cost of funds | 1.68% | 76th pct | 82th pct |
| Loan-to-share | 76.19% | 58th pct | 51th pct |
| Delinquency 60+ days | 0.40% | 31th pct | 23th pct |
| Net charge-off ratio | 0.15% | 24th pct | 21th pct |
| Loan growth YoY | 3.09% | 76th pct | 79th pct |
| Share growth YoY | 3.25% | 47th pct | 43th pct |
| Efficiency ratio | 78.87% | 51th pct | 38th pct |
structural peer set hash: 230014b8c10193b8b2d82c4c1bf9d78e… (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.