VALLEY PRIDE
Charter #23467 · Kingston, PA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 580 sits at the 3rd percentile of structural peers — worth a closer look.
- Net worth ratio of 17.49% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.49% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.81% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.01% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
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 | VALLEY PRIDE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.25M | 73th pct | 7th pct |
| Members | 580 | 49th pct | 3th pct |
| Net worth ratio | 17.49% | 50th pct | 75th pct |
| Return on average assets | 1.02% | 72th pct | 72th pct |
| Net interest margin | 4.49% | 64th pct | 79th pct |
| Cost of funds | 0.31% | 40th pct | 36th pct |
| Loan-to-share | 34.45% | 23th pct | 41th pct |
| Delinquency 60+ days | 2.81% | 76th pct | 82th pct |
| Net charge-off ratio | -0.01% | 20th pct | 21th pct |
| Loan growth YoY | -9.56% | 30th pct | 16th pct |
| Share growth YoY | 3.60% | 74th pct | 77th pct |
| Efficiency ratio | 66.79% | 22th pct | 18th pct |
structural peer set hash: 98eedb6a8d6d5cec01a986940dff9cce… (reproducible)
Closest structural peers
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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.