U.A.L.U. 354
Charter #23174 · YOUNGWOOD, PA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,565 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.91% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.08% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.75% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 77th percentile but its structural peers at the 44th — a 33-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.A.L.U. 354 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.73M | 77th pct | 44th pct |
| Members | 1,565 | 94th pct | 80th pct |
| Net worth ratio | 11.64% | 20th pct | 28th pct |
| Return on average assets | 0.67% | 60th pct | 61th pct |
| Net interest margin | 4.91% | 75th pct | 79th pct |
| Cost of funds | 0.08% | 19th pct | 3th pct |
| Loan-to-share | 68.67% | 62th pct | 51th pct |
| Delinquency 60+ days | 0.04% | 29th pct | 28th pct |
| Net charge-off ratio | -0.75% | 5th pct | 2th pct |
| Loan growth YoY | 1.19% | 78th pct | 80th pct |
| Share growth YoY | -0.13% | 48th pct | 26th pct |
| Efficiency ratio | 83.50% | 46th pct | 44th pct |
structural peer set hash: fa99565e3da24fb60240dad7a9c73afe… (reproducible)
Closest structural peers
This is the free public view
Claim U.A.L.U. 354
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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.