MOONLIGHT
Charter #24978 · Worthington, PA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 2.17% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.32% sits at the 97th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.06% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 53.48% ranks in the 7th 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 | MOONLIGHT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $53.35M | 8th pct | 34th pct |
| Members | 3,883 | 25th pct | 28th pct |
| Net worth ratio | 17.69% | 84th pct | 74th pct |
| Return on average assets | 2.17% | 96th pct | 89th pct |
| Net interest margin | 4.17% | 75th pct | 44th pct |
| Cost of funds | 2.32% | 95th pct | 97th pct |
| Loan-to-share | 85.06% | 90th pct | 67th pct |
| Delinquency 60+ days | 0.06% | 8th pct | 3th pct |
| Net charge-off ratio | 0.00% | 14th pct | 15th pct |
| Loan growth YoY | 0.86% | 70th pct | 59th pct |
| Share growth YoY | 3.09% | 52th pct | 46th pct |
| Efficiency ratio | 53.48% | 5th pct | 7th pct |
structural peer set hash: d903da784b515ba469355536fe40899f… (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.