MC
Charter #24929 · Danville, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.57% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.62% sits at the 92nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.47% sits at the 82nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 57.56% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 61st percentile but its structural peers at the 82nd — 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 | MC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $249.68M | 63th pct | 62th pct |
| Members | 13,794 | 53th pct | 51th pct |
| Net worth ratio | 11.92% | 56th pct | 52th pct |
| Return on average assets | 1.57% | 90th pct | 92th pct |
| Net interest margin | 3.66% | 50th pct | 48th pct |
| Cost of funds | 1.75% | 79th pct | 69th pct |
| Loan-to-share | 78.11% | 63th pct | 46th pct |
| Delinquency 60+ days | 1.62% | 91th pct | 92th pct |
| Net charge-off ratio | 0.47% | 61th pct | 82th pct |
| Loan growth YoY | 3.98% | 81th pct | 77th pct |
| Share growth YoY | 2.05% | 28th pct | 28th pct |
| Efficiency ratio | 57.56% | 6th pct | 2th pct |
structural peer set hash: ffffa357718a31f870775bceda0571d7… (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.