PAPER CONVERTERS LOCAL 286/1034
Charter #23556 · PHILADELPHIA, PA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,081 ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 7.06% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 6.38% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 97th percentile but its structural peers at the 82nd — a 15-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 | PAPER CONVERTERS LOCAL 286/1034 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.90M | 28th pct | 28th pct |
| Members | 2,081 | 97th pct | 82th pct |
| Net worth ratio | 7.06% | 3th pct | 5th pct |
| Return on average assets | 0.65% | 59th pct | 56th pct |
| Net interest margin | 6.38% | 93th pct | 90th pct |
| Cost of funds | 0.03% | 14th pct | 28th pct |
| Loan-to-share | 54.00% | 45th pct | 52th pct |
| Delinquency 60+ days | 0.21% | 34th pct | 39th pct |
| Net charge-off ratio | 0.00% | 22th pct | 16th pct |
| Loan growth YoY | 2.29% | 81th pct | 75th pct |
| Share growth YoY | -1.55% | 37th pct | 39th pct |
| Efficiency ratio | 90.68% | 57th pct | 61th pct |
structural peer set hash: 98c4cf03de6fa69fa3e29ee7867069b0… (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.