LEBANON
Charter #19510 · LEBANON, PA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.72% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.72% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.55% sits at the 77th percentile of structural peers — worth a closer look.
- Efficiency ratio of 67.39% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
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 | LEBANON | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $538.01M | 12th pct | 13th pct |
| Members | 36,292 | 35th pct | 30th pct |
| Net worth ratio | 9.64% | 34th pct | 39th pct |
| Return on average assets | 1.72% | 96th pct | 97th pct |
| Net interest margin | 4.72% | 97th pct | 98th pct |
| Cost of funds | 1.57% | 58th pct | 49th pct |
| Loan-to-share | 85.14% | 63th pct | 64th pct |
| Delinquency 60+ days | 0.64% | 56th pct | 46th pct |
| Net charge-off ratio | 0.55% | 63th pct | 77th pct |
| Loan growth YoY | 4.93% | 89th pct | 82th pct |
| Share growth YoY | 4.95% | 67th pct | 57th pct |
| Efficiency ratio | 67.39% | 17th pct | 10th pct |
structural peer set hash: 7c975256b92d15af32f94a63e36060b9… (reproducible)
Closest structural peers
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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.