PENNSTAR
Charter #13760 · Hermitage, PA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.81% sits at the 18th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.53% sits at the 82nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 21st percentile but its structural peers at the 66th — a 45-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 | PENNSTAR | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $58.11M | 21th pct | 66th pct |
| Members | 4,044 | 29th pct | 72th pct |
| Net worth ratio | 15.56% | 73th pct | 61th pct |
| Return on average assets | 0.66% | 46th pct | 38th pct |
| Net interest margin | 2.81% | 11th pct | 18th pct |
| Cost of funds | 1.25% | 68th pct | 72th pct |
| Loan-to-share | 36.51% | 9th pct | 36th pct |
| Delinquency 60+ days | 0.81% | 63th pct | 70th pct |
| Net charge-off ratio | 0.53% | 72th pct | 82th pct |
| Loan growth YoY | -4.86% | 19th pct | 44th pct |
| Share growth YoY | 4.51% | 69th pct | 69th pct |
| Efficiency ratio | 77.17% | 43th pct | 57th pct |
structural peer set hash: 30c4a597edde23b9890fda151219ec98… (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.