SOUTHWEST COMMUNITIES
Charter #3278 · Carnegie, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.98% sits at the 20th percentile of structural peers — worth a closer look.
- Return on average assets of -0.12% sits at the 13th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.06% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.82% sits at the 85th percentile of structural peers — worth a closer look.
- Efficiency ratio of 102.89% sits at the 89th percentile of structural peers — worth a closer look.
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 | SOUTHWEST COMMUNITIES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $19.02M | 34th pct | 11th pct |
| Members | 1,817 | 38th pct | 36th pct |
| Net worth ratio | 9.98% | 18th pct | 20th pct |
| Return on average assets | -0.12% | 15th pct | 13th pct |
| Net interest margin | 3.46% | 33th pct | 49th pct |
| Cost of funds | 0.49% | 32th pct | 31th pct |
| Loan-to-share | 35.08% | 15th pct | 25th pct |
| Delinquency 60+ days | 0.06% | 16th pct | 13th pct |
| Net charge-off ratio | 0.82% | 82th pct | 85th pct |
| Loan growth YoY | -5.50% | 27th pct | 26th pct |
| Share growth YoY | 4.08% | 67th pct | 77th pct |
| Efficiency ratio | 102.89% | 91th pct | 89th pct |
structural peer set hash: 3d583dc6c87f024d7c0f95dfd34d3824… (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.