POCONO MEDICAL CENTER
Charter #21240 · East Stroudsbur, PA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.24% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.57% sits at the 80th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 45th percentile but its structural peers at the 15th — a 31-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 | POCONO MEDICAL CENTER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.48M | 45th pct | 15th pct |
| Members | 903 | 78th pct | 54th pct |
| Net worth ratio | 12.72% | 26th pct | 43th pct |
| Return on average assets | 0.32% | 47th pct | 36th pct |
| Net interest margin | 4.38% | 60th pct | 69th pct |
| Cost of funds | 0.24% | 34th pct | 23th pct |
| Loan-to-share | 46.73% | 37th pct | 49th pct |
| Delinquency 60+ days | 0.30% | 37th pct | 31th pct |
| Net charge-off ratio | 0.57% | 83th pct | 80th pct |
| Loan growth YoY | -13.93% | 16th pct | 11th pct |
| Share growth YoY | -0.00% | 49th pct | 46th pct |
| Efficiency ratio | 93.02% | 60th pct | 66th pct |
structural peer set hash: ba27e92433e16397ed57614c40ea03f0… (reproducible)
Closest structural peers
This is the free public view
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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.