NORTHAMPTON AREA SCHOOL DIST. EMPS
Charter #24911 · Northampton, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 800 sits at the 8th percentile of structural peers — worth a closer look.
- Return on average assets of 1.42% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.31% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 2.23% sits at the 92nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th 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 | NORTHAMPTON AREA SCHOOL DIST. EMPS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $12.11M | 10th pct | 10th pct |
| Members | 800 | 2th pct | 8th pct |
| Net worth ratio | 19.88% | 85th pct | 74th pct |
| Return on average assets | 1.42% | 83th pct | 82th pct |
| Net interest margin | 2.31% | 4th pct | 5th pct |
| Cost of funds | 2.23% | 93th pct | 92th pct |
| Loan-to-share | 49.50% | 36th pct | 52th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 23th pct | 33th pct |
| Loan growth YoY | -6.22% | 22th pct | 18th pct |
| Share growth YoY | -1.28% | 17th pct | 13th pct |
| Efficiency ratio | 39.09% | 1th pct | 3th pct |
structural peer set hash: 7e3238c5fdc426ecbb39f06ddf88f4e0… (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.