PENLANCO
Charter #2834 · Lancaster, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,719 sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 2.82% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 1.89% sits at the 85th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.15% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 21st 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 | PENLANCO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $27.97M | 56th pct | 46th pct |
| Members | 1,719 | 34th pct | 25th pct |
| Net worth ratio | 11.93% | 35th pct | 57th pct |
| Return on average assets | 0.40% | 36th pct | 31th pct |
| Net interest margin | 2.82% | 12th pct | 3th pct |
| Cost of funds | 1.89% | 88th pct | 85th pct |
| Loan-to-share | 70.93% | 71th pct | 54th pct |
| Delinquency 60+ days | 0.15% | 26th pct | 25th pct |
| Net charge-off ratio | 0.00% | 23th pct | 21th pct |
| Loan growth YoY | -0.69% | 64th pct | 43th pct |
| Share growth YoY | 7.95% | 91th pct | 84th pct |
| Efficiency ratio | 86.67% | 65th pct | 67th pct |
structural peer set hash: 57d96b77ca6c6c6705b8beb16c97d912… (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.