MONTOURSVILLE AREA
Charter #18144 · MONTOURSVILLE, PA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 680 sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 4.49% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.15% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.78% sits at the 87th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 69th percentile but its structural peers at the 28th — a 42-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 | MONTOURSVILLE AREA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.81M | 69th pct | 28th pct |
| Members | 680 | 59th pct | 23th pct |
| Net worth ratio | 14.28% | 34th pct | 57th pct |
| Return on average assets | 1.13% | 75th pct | 70th pct |
| Net interest margin | 4.49% | 64th pct | 82th pct |
| Cost of funds | 0.15% | 25th pct | 16th pct |
| Loan-to-share | 36.39% | 26th pct | 38th pct |
| Delinquency 60+ days | 0.09% | 31th pct | 28th pct |
| Net charge-off ratio | 0.78% | 84th pct | 87th pct |
| Loan growth YoY | -0.55% | 71th pct | 77th pct |
| Share growth YoY | 8.56% | 91th pct | 82th pct |
| Efficiency ratio | 77.95% | 36th pct | 41th pct |
structural peer set hash: 876a470243f066950392176f03a985cf… (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.