SARCO
Charter #1669 · BETHLEHEM, PA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 630 sits at the 13th percentile of structural peers — worth a closer look.
- Net worth ratio of 24.07% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.62% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 62.27% ranks in the 16th 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 | SARCO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $9.19M | 95th pct | 38th pct |
| Members | 630 | 54th pct | 13th pct |
| Net worth ratio | 24.07% | 73th pct | 75th pct |
| Return on average assets | 1.62% | 85th pct | 80th pct |
| Net interest margin | 4.15% | 53th pct | 48th pct |
| Cost of funds | 1.40% | 75th pct | 67th pct |
| Loan-to-share | 90.94% | 87th pct | 79th pct |
| Delinquency 60+ days | 1.04% | 54th pct | 64th pct |
| Net charge-off ratio | 0.00% | 22th pct | 23th pct |
| Loan growth YoY | 8.64% | 92th pct | 93th pct |
| Share growth YoY | 6.65% | 87th pct | 74th pct |
| Efficiency ratio | 62.27% | 18th pct | 16th pct |
structural peer set hash: c46cb8f7e391f41fcdc5229ce658e778… (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.