PENN SOUTH COOPERATIVE
Charter #15459 · New York, NY · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 711 sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 2.63% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 87th percentile but its structural peers at the 13th — a 74-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 | PENN SOUTH COOPERATIVE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.10M | 87th pct | 13th pct |
| Members | 711 | 62th pct | 15th pct |
| Net worth ratio | 14.69% | 37th pct | 49th pct |
| Return on average assets | 1.13% | 76th pct | 67th pct |
| Net interest margin | 3.85% | 44th pct | 51th pct |
| Cost of funds | 2.63% | 94th pct | 82th pct |
| Loan-to-share | 102.55% | 95th pct | 79th pct |
| Delinquency 60+ days | 1.37% | 60th pct | 74th pct |
| Net charge-off ratio | 0.00% | 22th pct | 15th pct |
| Loan growth YoY | 5.65% | 89th pct | 89th pct |
| Share growth YoY | 2.24% | 67th pct | 49th pct |
| Efficiency ratio | 73.88% | 29th pct | 41th pct |
structural peer set hash: e0fef43f9a1ba92cd43853c188a59813… (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.