HERITAGE VALLEY
Charter #303 · York, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.54% sits at the 2nd percentile of structural peers — worth a closer look.
- Net interest margin of 4.06% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.27% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.80% sits at the 80th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 42nd percentile but its structural peers at the 61st — a 19-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 | HERITAGE VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $132.25M | 21th pct | 36th pct |
| Members | 13,546 | 51th pct | 56th pct |
| Net worth ratio | 7.54% | 2th pct | 2th pct |
| Return on average assets | 0.49% | 36th pct | 48th pct |
| Net interest margin | 4.06% | 74th pct | 77th pct |
| Cost of funds | 1.06% | 42th pct | 61th pct |
| Loan-to-share | 50.99% | 13th pct | 18th pct |
| Delinquency 60+ days | 1.27% | 85th pct | 82th pct |
| Net charge-off ratio | 0.80% | 83th pct | 80th pct |
| Loan growth YoY | -3.42% | 14th pct | 18th pct |
| Share growth YoY | 3.95% | 57th pct | 57th pct |
| Efficiency ratio | 86.67% | 77th pct | 64th pct |
structural peer set hash: 82e43669f95455ce40fb01fd03cdc45c… (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.