BACK MOUNTAIN
Charter #21458 · SHAVERTOWN, PA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.71% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 1.75% sits at the 84th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 3.07% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 86th percentile but its structural peers at the 59th — a 27-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 | BACK MOUNTAIN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.06M | 86th pct | 59th pct |
| Members | 733 | 64th pct | 44th pct |
| Net worth ratio | 23.52% | 71th pct | 56th pct |
| Return on average assets | 0.67% | 59th pct | 51th pct |
| Net interest margin | 2.71% | 16th pct | 5th pct |
| Cost of funds | 1.75% | 84th pct | 84th pct |
| Loan-to-share | 54.28% | 46th pct | 43th pct |
| Delinquency 60+ days | 3.07% | 78th pct | 82th pct |
| Net charge-off ratio | 0.00% | 22th pct | 20th pct |
| Loan growth YoY | -2.99% | 61th pct | 72th pct |
| Share growth YoY | -1.04% | 40th pct | 38th pct |
| Efficiency ratio | 75.85% | 32th pct | 38th pct |
structural peer set hash: 31c869570ed5939776ec46521da85308… (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.