WESTERN PA

Charter #21140 · New Kensington, PA · $10M-$50M

Public 5300 data · as of 2026Q1

What the numbers say

Members of 1,533 sits at the 13th percentile of structural peers — worth a closer look.
Return on average assets of 0.09% sits at the 13th percentile of structural peers — worth a closer look.
Net interest margin of 2.41% sits at the 7th percentile of structural peers — worth a closer look.
Cost of funds of 1.92% sits at the 93rd percentile of structural peers — worth a closer look.
Delinquency 60+ days of 2.49% sits at the 95th percentile of structural peers — worth a closer look.

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	WESTERN PA	Asset-tier percentile	Structural percentile
Total assets	$23.68M	45th pct	25th pct
Members	1,533	26th pct	13th pct
Net worth ratio	13.29%	48th pct	67th pct
Return on average assets	0.09%	22th pct	13th pct
Net interest margin	2.41%	5th pct	7th pct
Cost of funds	1.92%	88th pct	93th pct
Loan-to-share	53.95%	45th pct	44th pct
Delinquency 60+ days	2.49%	90th pct	95th pct
Net charge-off ratio	0.16%	52th pct	49th pct
Loan growth YoY	3.32%	88th pct	84th pct
Share growth YoY	6.93%	86th pct	75th pct
Efficiency ratio	96.43%	85th pct	90th pct

structural peer set hash: 5f3d870f5daf97485d272cd77a545379… (reproducible)

Closest structural peers

NORTH EAST WELCH66.9%

#8687 · PA

PENLANCO63.1%

#2834 · PA

LEOMINSTER EMPLOYEES63.1%

#1461 · MA

HIGH DESERT COMMUNITY60.1%

#66185 · NM

YORK EDUCATIONAL60.1%

#19429 · PA

HURON AREA EDUCATION59.7%

#7599 · SD

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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.