GNC COMMUNITY
Charter #1542 · New Castle, PA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 11,564 ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 15.27% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.18% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 87.41% sits at the 77th percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 43rd percentile but its structural peers at the 25th — a 19-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 | GNC COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $85.64M | 77th pct | 66th pct |
| Members | 11,564 | 97th pct | 87th pct |
| Net worth ratio | 15.27% | 72th pct | 75th pct |
| Return on average assets | 0.40% | 34th pct | 31th pct |
| Net interest margin | 3.78% | 53th pct | 38th pct |
| Cost of funds | 0.84% | 45th pct | 49th pct |
| Loan-to-share | 58.19% | 46th pct | 59th pct |
| Delinquency 60+ days | 0.41% | 39th pct | 44th pct |
| Net charge-off ratio | 0.18% | 43th pct | 25th pct |
| Loan growth YoY | -8.43% | 5th pct | 5th pct |
| Share growth YoY | 5.18% | 75th pct | 75th pct |
| Efficiency ratio | 87.41% | 73th pct | 77th pct |
structural peer set hash: 531da56414a5b62d3ef14111763274a5… (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.