TENDTO
Charter #24965 · Erie, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.15% sits at the 2nd percentile of structural peers — worth a closer look.
- Return on average assets of 0.25% sits at the 15th percentile of structural peers — worth a closer look.
- Net interest margin of 3.18% sits at the 10th percentile of structural peers — worth a closer look.
- Efficiency ratio of 86.35% sits at the 80th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 28th percentile but its structural peers at the 54th — a 26-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 | TENDTO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $143.69M | 28th pct | 54th pct |
| Members | 11,651 | 42th pct | 52th pct |
| Net worth ratio | 8.15% | 4th pct | 2th pct |
| Return on average assets | 0.25% | 19th pct | 15th pct |
| Net interest margin | 3.18% | 22th pct | 10th pct |
| Cost of funds | 0.89% | 33th pct | 54th pct |
| Loan-to-share | 51.95% | 14th pct | 28th pct |
| Delinquency 60+ days | 0.68% | 56th pct | 61th pct |
| Net charge-off ratio | 0.68% | 77th pct | 74th pct |
| Loan growth YoY | 4.96% | 87th pct | 92th pct |
| Share growth YoY | 3.00% | 43th pct | 34th pct |
| Efficiency ratio | 86.35% | 76th pct | 80th pct |
structural peer set hash: 3f13a469284f59c90ed6318a51f54fe2… (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.