VISIONARY
Charter #14018 · Bridgeville, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,075 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.75% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.11% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.49% sits at the 75th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 45th percentile but its structural peers at the 79th — a 34-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 | VISIONARY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $41.09M | 85th pct | 72th pct |
| Members | 3,075 | 77th pct | 77th pct |
| Net worth ratio | 12.07% | 37th pct | 48th pct |
| Return on average assets | 0.54% | 44th pct | 43th pct |
| Net interest margin | 3.75% | 45th pct | 79th pct |
| Cost of funds | 0.11% | 8th pct | 11th pct |
| Loan-to-share | 45.77% | 29th pct | 36th pct |
| Delinquency 60+ days | 0.74% | 58th pct | 59th pct |
| Net charge-off ratio | 0.49% | 71th pct | 75th pct |
| Loan growth YoY | -6.08% | 23th pct | 15th pct |
| Share growth YoY | 3.83% | 64th pct | 66th pct |
| Efficiency ratio | 84.34% | 60th pct | 64th pct |
structural peer set hash: bf768f71eaa2bb52e2362dce814edd16… (reproducible)
Closest structural peers
This is the free public view
Claim VISIONARY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.