SMMH
Charter #17371 · Pittsburgh, PA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.07% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.06% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 65th percentile but its structural peers at the 26th — a 39-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 | SMMH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.28M | 44th pct | 15th pct |
| Members | 743 | 65th pct | 26th pct |
| Net worth ratio | 23.20% | 70th pct | 74th pct |
| Return on average assets | 0.84% | 66th pct | 56th pct |
| Net interest margin | 3.99% | 49th pct | 72th pct |
| Cost of funds | 0.07% | 17th pct | 7th pct |
| Loan-to-share | 33.29% | 22th pct | 36th pct |
| Delinquency 60+ days | 3.06% | 78th pct | 89th pct |
| Net charge-off ratio | 0.00% | 22th pct | 25th pct |
| Loan growth YoY | -14.00% | 15th pct | 10th pct |
| Share growth YoY | -9.77% | 7th pct | 0th pct |
| Efficiency ratio | 74.56% | 30th pct | 36th pct |
structural peer set hash: 5f3a95fb37b547bb791d76a8751b0a7a… (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.