PALCO FCU
Charter #2959 · MUNCY, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.14% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.08% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.12% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 7th percentile but its structural peers at the 46th — a 39-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 | PALCO FCU | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $109.48M | 7th pct | 46th pct |
| Members | 6,218 | 7th pct | 33th pct |
| Net worth ratio | 12.72% | 66th pct | 66th pct |
| Return on average assets | 1.14% | 77th pct | 75th pct |
| Net interest margin | 3.60% | 47th pct | 43th pct |
| Cost of funds | 1.07% | 42th pct | 72th pct |
| Loan-to-share | 48.76% | 11th pct | 39th pct |
| Delinquency 60+ days | 0.08% | 5th pct | 2th pct |
| Net charge-off ratio | 0.12% | 21th pct | 15th pct |
| Loan growth YoY | 3.17% | 76th pct | 87th pct |
| Share growth YoY | 5.88% | 79th pct | 75th pct |
| Efficiency ratio | 70.53% | 26th pct | 26th pct |
structural peer set hash: b04f036ada702fcb01de539eda576cf5… (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.