CITADEL
Charter #2099 · EXTON, PA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.32% sits at the 16th percentile of structural peers — worth a closer look.
- Return on average assets of 0.44% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 2.64% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 2.82% sits at the 84th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.30% ranks in the 5th 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 | CITADEL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.77B | 89th pct | 79th pct |
| Members | 285,311 | 83th pct | 66th pct |
| Net worth ratio | 9.32% | 18th pct | 16th pct |
| Return on average assets | 0.44% | 25th pct | 18th pct |
| Net interest margin | 2.64% | 13th pct | 7th pct |
| Cost of funds | 2.82% | 92th pct | 84th pct |
| Loan-to-share | 103.90% | 95th pct | 92th pct |
| Delinquency 60+ days | 0.30% | 14th pct | 5th pct |
| Net charge-off ratio | 0.42% | 38th pct | 31th pct |
| Loan growth YoY | 3.14% | 67th pct | 72th pct |
| Share growth YoY | 6.26% | 77th pct | 82th pct |
| Efficiency ratio | 75.05% | 58th pct | 72th pct |
structural peer set hash: 6f34b6f052aca6a8de6d63f5a064b08a… (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.