PENN-TRAFFORD SCHOOL EMP.
Charter #17014 · Trafford, PA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 548 sits at the 21st percentile of structural peers — worth a closer look.
- Return on average assets of 1.76% ranks in the 75th 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 0.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 50.24% ranks in the 8th 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 | PENN-TRAFFORD SCHOOL EMP. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.43M | 64th pct | 23th pct |
| Members | 548 | 47th pct | 21th pct |
| Net worth ratio | 20.42% | 60th pct | 64th pct |
| Return on average assets | 1.76% | 87th pct | 75th pct |
| Net interest margin | 3.73% | 40th pct | 46th pct |
| Cost of funds | 0.98% | 65th pct | 59th pct |
| Loan-to-share | 48.30% | 39th pct | 38th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 23th pct |
| Loan growth YoY | 3.12% | 84th pct | 85th pct |
| Share growth YoY | 6.42% | 86th pct | 82th pct |
| Efficiency ratio | 50.24% | 9th pct | 8th pct |
structural peer set hash: cbc66a989425c154503dd81206f1a710… (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.