PENN EAST
Charter #2742 · SCRANTON, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 21,622 ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.90% sits at the 8th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.19% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.15% ranks in the 25th 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 | PENN EAST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $277.57M | 69th pct | 72th pct |
| Members | 21,622 | 82th pct | 82th pct |
| Net worth ratio | 10.52% | 35th pct | 46th pct |
| Return on average assets | 0.70% | 50th pct | 46th pct |
| Net interest margin | 2.90% | 11th pct | 8th pct |
| Cost of funds | 0.70% | 26th pct | 36th pct |
| Loan-to-share | 47.34% | 9th pct | 23th pct |
| Delinquency 60+ days | 0.19% | 13th pct | 16th pct |
| Net charge-off ratio | 0.15% | 25th pct | 25th pct |
| Loan growth YoY | -5.65% | 5th pct | 7th pct |
| Share growth YoY | 2.96% | 42th pct | 39th pct |
| Efficiency ratio | 82.85% | 65th pct | 59th pct |
structural peer set hash: d17b45313fbbcead7a2c0fc234d5cd52… (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.