PAR-DEL EMP.
Charter #22723 · WYOMING, PA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 2.57% sits at the 90th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 82nd percentile but its structural peers at the 44th — a 38-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 | PAR-DEL EMP. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.32M | 82th pct | 44th pct |
| Members | 672 | 58th pct | 30th pct |
| Net worth ratio | 15.19% | 39th pct | 49th pct |
| Return on average assets | 0.68% | 60th pct | 57th pct |
| Net interest margin | 3.36% | 29th pct | 36th pct |
| Cost of funds | 0.76% | 59th pct | 46th pct |
| Loan-to-share | 52.35% | 43th pct | 43th pct |
| Delinquency 60+ days | 2.57% | 73th pct | 90th pct |
| Net charge-off ratio | 0.00% | 22th pct | 25th pct |
| Loan growth YoY | -6.36% | 43th pct | 44th pct |
| Share growth YoY | 0.83% | 55th pct | 56th pct |
| Efficiency ratio | 79.89% | 39th pct | 46th pct |
structural peer set hash: 4a420e60b8f744ef9b232910231a4155… (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.