MOUNT CARMEL BAPTIST
Charter #16525 · Philadelphia, PA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 102 sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -1.45% ranks in the 9th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 13th percentile but its structural peers at the 51st — 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 | MOUNT CARMEL BAPTIST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 747,738 | 13th pct | 51th pct |
| Members | 102 | 4th pct | 18th pct |
| Net worth ratio | 23.08% | 69th pct | 70th pct |
| Return on average assets | 0.15% | 38th pct | 34th pct |
| Net interest margin | 3.03% | 22th pct | 46th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 6.72% | 4th pct | 21th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -1.45% | 2th pct | 9th pct |
| Loan growth YoY | -21.74% | 5th pct | 26th pct |
| Share growth YoY | 1.22% | 58th pct | 67th pct |
| Efficiency ratio | 95.19% | 65th pct | 66th pct |
structural peer set hash: ac468b744b850e0e1cf2228c8aad090a… (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.