SAINT NICHOLAS
Charter #2583 · Wilkes Barre, PA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 5.89% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.20% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.32% sits at the 87th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 71st percentile but its structural peers at the 38th — 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 | SAINT NICHOLAS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.61M | 46th pct | 16th pct |
| Members | 854 | 74th pct | 66th pct |
| Net worth ratio | 14.82% | 37th pct | 59th pct |
| Return on average assets | 1.06% | 74th pct | 74th pct |
| Net interest margin | 5.89% | 90th pct | 87th pct |
| Cost of funds | 0.20% | 29th pct | 13th pct |
| Loan-to-share | 75.83% | 71th pct | 38th pct |
| Delinquency 60+ days | 0.13% | 32th pct | 26th pct |
| Net charge-off ratio | 1.32% | 88th pct | 87th pct |
| Loan growth YoY | -1.52% | 67th pct | 48th pct |
| Share growth YoY | 0.56% | 54th pct | 33th pct |
| Efficiency ratio | 78.98% | 38th pct | 39th pct |
structural peer set hash: f1121fbc6be66674c6880bffcd33bbea… (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.