PENNTECH EMPLOYEES
Charter #13469 · Johnsonburg, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 10.90% sits at the 23rd percentile of structural peers — worth a closer look.
- Cost of funds of 1.59% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.87% sits at the 87th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 14th percentile but its structural peers at the 38th — a 24-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 | PENNTECH EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $13.10M | 14th pct | 38th pct |
| Members | 1,302 | 17th pct | 34th pct |
| Net worth ratio | 10.90% | 26th pct | 23th pct |
| Return on average assets | 0.52% | 43th pct | 36th pct |
| Net interest margin | 3.38% | 30th pct | 43th pct |
| Cost of funds | 1.59% | 80th pct | 77th pct |
| Loan-to-share | 41.16% | 22th pct | 33th pct |
| Delinquency 60+ days | 0.74% | 58th pct | 57th pct |
| Net charge-off ratio | 0.87% | 83th pct | 87th pct |
| Loan growth YoY | -2.61% | 48th pct | 61th pct |
| Share growth YoY | 6.98% | 86th pct | 70th pct |
| Efficiency ratio | 75.68% | 39th pct | 43th pct |
structural peer set hash: cb0003ec6d88a1690edc419f392b5fe3… (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.