VASCO
Charter #18301 · Latrobe, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.23% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 2.13% sits at the 87th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.34% sits at the 75th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.03% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Loan growth YoY, the asset-size band puts this credit union at the 14th percentile but its structural peers at the 34th — a 21-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 | VASCO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $35.46M | 74th pct | 69th pct |
| Members | 1,818 | 38th pct | 41th pct |
| Net worth ratio | 11.80% | 34th pct | 28th pct |
| Return on average assets | 0.48% | 41th pct | 39th pct |
| Net interest margin | 2.23% | 3th pct | 20th pct |
| Cost of funds | 2.13% | 92th pct | 87th pct |
| Loan-to-share | 18.38% | 2th pct | 13th pct |
| Delinquency 60+ days | 1.34% | 75th pct | 75th pct |
| Net charge-off ratio | -0.03% | 16th pct | 15th pct |
| Loan growth YoY | -8.00% | 14th pct | 34th pct |
| Share growth YoY | 2.87% | 54th pct | 52th pct |
| Efficiency ratio | 80.77% | 51th pct | 56th pct |
structural peer set hash: b2180c68e6da507fcc24bac4a2fbb545… (reproducible)
Closest structural peers
This is the free public view
Claim VASCO
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.