YORK EDUCATIONAL
Charter #19429 · York, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.12% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.65% sits at the 85th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 94th percentile but its structural peers at the 67th — a 27-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 | YORK EDUCATIONAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $46.02M | 94th pct | 67th pct |
| Members | 2,787 | 70th pct | 49th pct |
| Net worth ratio | 9.91% | 18th pct | 30th pct |
| Return on average assets | 0.43% | 38th pct | 31th pct |
| Net interest margin | 3.37% | 29th pct | 39th pct |
| Cost of funds | 0.72% | 44th pct | 44th pct |
| Loan-to-share | 49.99% | 37th pct | 41th pct |
| Delinquency 60+ days | 0.12% | 23th pct | 23th pct |
| Net charge-off ratio | 0.65% | 77th pct | 85th pct |
| Loan growth YoY | 8.53% | 97th pct | 90th pct |
| Share growth YoY | 4.54% | 71th pct | 72th pct |
| Efficiency ratio | 86.90% | 66th pct | 69th pct |
structural peer set hash: 8ec5c6a8bd2175e8e204f7436b654bfd… (reproducible)
Closest structural peers
This is the free public view
Claim YORK EDUCATIONAL
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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.