CENTURY HERITAGE
Charter #1352 · PITTSBURGH, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.35% sits at the 23rd 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.
- Net charge-off ratio of 0.09% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 74th percentile but its structural peers at the 56th — a 18-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 | CENTURY HERITAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $287.97M | 72th pct | 54th pct |
| Members | 18,935 | 74th pct | 56th pct |
| Net worth ratio | 11.24% | 46th pct | 48th pct |
| Return on average assets | 0.86% | 61th pct | 59th pct |
| Net interest margin | 3.35% | 32th pct | 23th pct |
| Cost of funds | 1.68% | 76th pct | 82th pct |
| Loan-to-share | 72.93% | 52th pct | 54th pct |
| Delinquency 60+ days | 0.64% | 53th pct | 54th pct |
| Net charge-off ratio | 0.09% | 17th pct | 8th pct |
| Loan growth YoY | -0.94% | 37th pct | 28th pct |
| Share growth YoY | -0.24% | 9th pct | 8th pct |
| Efficiency ratio | 78.72% | 50th pct | 51th pct |
structural peer set hash: 7f8afb2e601500e47db8df16d0234c17… (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.