GUTHRIE COMMUNITY
Charter #23394 · SAYRE, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.84% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 1.56% sits at the 87th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 13th percentile but its structural peers at the 34th — a 21-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 | GUTHRIE COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $124.38M | 16th pct | 31th pct |
| Members | 7,300 | 13th pct | 34th pct |
| Net worth ratio | 10.65% | 37th pct | 43th pct |
| Return on average assets | 0.42% | 31th pct | 28th pct |
| Net interest margin | 2.84% | 9th pct | 11th pct |
| Cost of funds | 1.56% | 70th pct | 87th pct |
| Loan-to-share | 54.04% | 16th pct | 34th pct |
| Delinquency 60+ days | 0.66% | 54th pct | 64th pct |
| Net charge-off ratio | 0.33% | 47th pct | 64th pct |
| Loan growth YoY | -0.47% | 42th pct | 43th pct |
| Share growth YoY | 4.94% | 70th pct | 64th pct |
| Efficiency ratio | 85.71% | 74th pct | 72th pct |
structural peer set hash: f86b8a4854650e7deb7dc305b0b71fad… (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.