USNE PENITENTIARY EMPLOYEES
Charter #287 · LEWISBURG, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.35% sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 1.41% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 2.76% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 21st percentile but its structural peers at the 46th — a 25-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 | USNE PENITENTIARY EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $14.98M | 21th pct | 46th pct |
| Members | 1,267 | 15th pct | 33th pct |
| Net worth ratio | 11.26% | 28th pct | 28th pct |
| Return on average assets | 0.35% | 34th pct | 20th pct |
| Net interest margin | 1.41% | 1th pct | 2th pct |
| Cost of funds | 2.76% | 98th pct | 98th pct |
| Loan-to-share | 36.13% | 17th pct | 34th pct |
| Delinquency 60+ days | 0.69% | 55th pct | 54th pct |
| Net charge-off ratio | 0.00% | 23th pct | 20th pct |
| Loan growth YoY | -8.33% | 12th pct | 28th pct |
| Share growth YoY | 5.71% | 78th pct | 70th pct |
| Efficiency ratio | 74.77% | 37th pct | 38th pct |
structural peer set hash: 782c8433b5309bfd181324a75a9823db… (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.