FRICK FINANCIAL
Charter #14775 · Uniontown, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.03% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.95% sits at the 93rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 3.08% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.00% sits at the 92nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 58.87% ranks in the 10th 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 | FRICK FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $179.25M | 43th pct | 54th pct |
| Members | 10,239 | 34th pct | 46th pct |
| Net worth ratio | 12.27% | 60th pct | 51th pct |
| Return on average assets | 1.03% | 71th pct | 75th pct |
| Net interest margin | 3.08% | 17th pct | 36th pct |
| Cost of funds | 1.95% | 87th pct | 93th pct |
| Loan-to-share | 43.69% | 7th pct | 21th pct |
| Delinquency 60+ days | 3.08% | 98th pct | 98th pct |
| Net charge-off ratio | 1.00% | 88th pct | 92th pct |
| Loan growth YoY | -0.83% | 38th pct | 52th pct |
| Share growth YoY | 0.55% | 13th pct | 8th pct |
| Efficiency ratio | 58.87% | 7th pct | 10th pct |
structural peer set hash: bc97fec45d90790571bccaa6a9c0860b… (reproducible)
Closest structural peers
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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.