STEAMFITTERS PHILA
Charter #18234 · WEST CHESTER, PA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 866 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.00% ranks in the 0th 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.
- On Loan growth YoY, the asset-size band puts this credit union at the 50th percentile but its structural peers at the 26th — a 24-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 | STEAMFITTERS PHILA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 792,532 | 14th pct | 3th pct |
| Members | 866 | 75th pct | 75th pct |
| Net worth ratio | 14.30% | 34th pct | 43th pct |
| Return on average assets | 0.79% | 65th pct | 56th pct |
| Net interest margin | 4.69% | 70th pct | 51th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 94.03% | 90th pct | 89th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 23th pct |
| Loan growth YoY | -5.23% | 50th pct | 26th pct |
| Share growth YoY | -0.94% | 42th pct | 36th pct |
| Efficiency ratio | 83.07% | 45th pct | 56th pct |
structural peer set hash: 47f61d81995a1a31db86027269d1dcf4… (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.