CHROME
Charter #20558 · Canonsburg, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.07% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.43% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 58th percentile but its structural peers at the 39th — a 18-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 | CHROME | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $224.10M | 58th pct | 39th pct |
| Members | 15,454 | 61th pct | 46th pct |
| Net worth ratio | 15.07% | 85th pct | 90th pct |
| Return on average assets | 0.39% | 28th pct | 28th pct |
| Net interest margin | 4.43% | 88th pct | 87th pct |
| Cost of funds | 1.00% | 38th pct | 39th pct |
| Loan-to-share | 78.46% | 64th pct | 61th pct |
| Delinquency 60+ days | 0.77% | 64th pct | 69th pct |
| Net charge-off ratio | 0.30% | 43th pct | 36th pct |
| Loan growth YoY | 3.38% | 78th pct | 85th pct |
| Share growth YoY | 3.70% | 54th pct | 64th pct |
| Efficiency ratio | 85.56% | 73th pct | 74th pct |
structural peer set hash: 4321fc7834625115c5b7f52263e8465c… (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.