PENN
Charter #20207 · Philadelphia, PA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,604 ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 24.37% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.25% sits at the 16th percentile of structural peers — worth a closer look.
- Net interest margin of 4.39% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.34% ranks in the 15th 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 | PENN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $54.61M | 12th pct | 38th pct |
| Members | 6,604 | 75th pct | 84th pct |
| Net worth ratio | 24.37% | 98th pct | 92th pct |
| Return on average assets | 0.25% | 24th pct | 16th pct |
| Net interest margin | 4.39% | 84th pct | 93th pct |
| Cost of funds | 0.34% | 15th pct | 15th pct |
| Loan-to-share | 43.61% | 19th pct | 26th pct |
| Delinquency 60+ days | 1.92% | 93th pct | 82th pct |
| Net charge-off ratio | 0.93% | 88th pct | 90th pct |
| Loan growth YoY | -4.18% | 25th pct | 11th pct |
| Share growth YoY | 0.22% | 20th pct | 38th pct |
| Efficiency ratio | 91.61% | 84th pct | 84th pct |
structural peer set hash: 79cf83deca36a92f10b06e9ba8e171dd… (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.