UNIVERSITY OF PENNSYLVANIA STUDENTS
Charter #24290 · Philadelphia, PA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 2.52% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 10.43% sits at the 95th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 31st percentile but its structural peers at the 64th — 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 | UNIVERSITY OF PENNSYLVANIA STUDENTS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.86M | 58th pct | 36th pct |
| Members | 666 | 57th pct | 48th pct |
| Net worth ratio | 16.91% | 48th pct | 64th pct |
| Return on average assets | 1.24% | 78th pct | 74th pct |
| Net interest margin | 3.44% | 31th pct | 64th pct |
| Cost of funds | 0.35% | 42th pct | 34th pct |
| Loan-to-share | 2.15% | 2th pct | 3th pct |
| Delinquency 60+ days | 2.52% | 73th pct | 77th pct |
| Net charge-off ratio | 10.43% | 98th pct | 95th pct |
| Loan growth YoY | -34.22% | 1th pct | 2th pct |
| Share growth YoY | 0.42% | 52th pct | 56th pct |
| Efficiency ratio | 64.37% | 20th pct | 28th pct |
structural peer set hash: 8137ba881274815ba89e288de66568d8… (reproducible)
Closest structural peers
This is the free public view
Claim UNIVERSITY OF PENNSYLVANIA STUDENTS
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.