INSPIRE
Charter #1759 · Newtown, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 2.98% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.03% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 18th percentile but its structural peers at the 36th — a 18-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 | INSPIRE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $397.07M | 89th pct | 70th pct |
| Members | 18,153 | 70th pct | 69th pct |
| Net worth ratio | 10.54% | 36th pct | 38th pct |
| Return on average assets | 0.63% | 44th pct | 51th pct |
| Net interest margin | 3.08% | 18th pct | 36th pct |
| Cost of funds | 2.98% | 99th pct | 97th pct |
| Loan-to-share | 98.20% | 98th pct | 87th pct |
| Delinquency 60+ days | 0.75% | 61th pct | 72th pct |
| Net charge-off ratio | -0.03% | 2th pct | 3th pct |
| Loan growth YoY | 5.00% | 87th pct | 79th pct |
| Share growth YoY | 1.26% | 20th pct | 3th pct |
| Efficiency ratio | 79.36% | 52th pct | 48th pct |
structural peer set hash: 239a2be69f1c8e5f1187b588d5de0003… (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.