U.F.C.W. LOCAL 23
Charter #21956 · Canonsburg, PA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.22% sits at the 84th percentile of structural peers — worth a closer look.
- Efficiency ratio of 99.42% 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 89th percentile but its structural peers at the 34th — a 54-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 | U.F.C.W. LOCAL 23 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.34M | 89th pct | 34th pct |
| Members | 1,556 | 94th pct | 69th pct |
| Net worth ratio | 16.47% | 45th pct | 56th pct |
| Return on average assets | 0.02% | 34th pct | 26th pct |
| Net interest margin | 4.16% | 54th pct | 67th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 52.60% | 43th pct | 56th pct |
| Delinquency 60+ days | 3.22% | 79th pct | 84th pct |
| Net charge-off ratio | 0.00% | 22th pct | 33th pct |
| Loan growth YoY | -5.96% | 46th pct | 44th pct |
| Share growth YoY | -3.73% | 24th pct | 16th pct |
| Efficiency ratio | 99.42% | 71th pct | 80th pct |
structural peer set hash: 28b45b02c3b48909055174e7e7830f46… (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.