CHESWICK ATOMIC DIVISION
Charter #15234 · Harwick, PA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 475 sits at the 11th percentile of structural peers — worth a closer look.
- Net worth ratio of 32.60% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.12% sits at the 18th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 59th percentile but its structural peers at the 21st — a 38-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 | CHESWICK ATOMIC DIVISION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.00M | 59th pct | 21th pct |
| Members | 475 | 41th pct | 11th pct |
| Net worth ratio | 32.60% | 89th pct | 82th pct |
| Return on average assets | 0.71% | 61th pct | 61th pct |
| Net interest margin | 3.12% | 24th pct | 18th pct |
| Cost of funds | 0.97% | 65th pct | 52th pct |
| Loan-to-share | 49.25% | 39th pct | 36th pct |
| Delinquency 60+ days | 0.09% | 31th pct | 26th pct |
| Net charge-off ratio | 0.01% | 73th pct | 52th pct |
| Loan growth YoY | -12.13% | 21th pct | 25th pct |
| Share growth YoY | 6.40% | 86th pct | 89th pct |
| Efficiency ratio | 77.83% | 36th pct | 39th pct |
structural peer set hash: 87336da9b20ca911a353c347084f90c2… (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.