PENNSYLVANIA-AMERICAN WATER
Charter #21556 · Bethel Park, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,326 sits at the 25th percentile of structural peers — worth a closer look.
- Return on average assets of -0.59% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 0.09% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.30% sits at the 82nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 100.48% sits at the 80th 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 | PENNSYLVANIA-AMERICAN WATER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $12.06M | 9th pct | 28th pct |
| Members | 1,326 | 18th pct | 25th pct |
| Net worth ratio | 12.72% | 43th pct | 34th pct |
| Return on average assets | -0.59% | 10th pct | 15th pct |
| Net interest margin | 4.20% | 67th pct | 59th pct |
| Cost of funds | 0.09% | 6th pct | 7th pct |
| Loan-to-share | 36.95% | 17th pct | 41th pct |
| Delinquency 60+ days | 0.27% | 34th pct | 30th pct |
| Net charge-off ratio | 1.30% | 90th pct | 82th pct |
| Loan growth YoY | -14.18% | 2th pct | 5th pct |
| Share growth YoY | -3.32% | 7th pct | 11th pct |
| Efficiency ratio | 100.48% | 89th pct | 80th pct |
structural peer set hash: dfc6ccfe2dc37b774aa2d0f0f823b3c8… (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.