CMC-FCPI EMPLOYEES
Charter #22174 · Scranton, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 0.00% ranks in the 22nd percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 52nd percentile but its structural peers at the 79th — 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 | CMC-FCPI EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $10.69M | 3th pct | 28th pct |
| Members | 1,460 | 23th pct | 33th pct |
| Net worth ratio | 11.71% | 33th pct | 34th pct |
| Return on average assets | 0.72% | 54th pct | 66th pct |
| Net interest margin | 4.31% | 72th pct | 69th pct |
| Cost of funds | 0.25% | 18th pct | 34th pct |
| Loan-to-share | 58.56% | 52th pct | 79th pct |
| Delinquency 60+ days | 0.66% | 54th pct | 44th pct |
| Net charge-off ratio | 0.00% | 23th pct | 22th pct |
| Loan growth YoY | -0.09% | 70th pct | 80th pct |
| Share growth YoY | 0.40% | 30th pct | 41th pct |
| Efficiency ratio | 88.84% | 71th pct | 49th pct |
structural peer set hash: 12098b1769792a6752fe7bc1211306d2… (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.