TOP TIER
Charter #3655 · Clarion, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.51% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.19% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 2.01% sits at the 84th percentile of structural peers — worth a closer look.
- Efficiency ratio of 60.13% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Loan growth YoY, the asset-size band puts this credit union at the 76th percentile but its structural peers at the 51st — 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 | TOP TIER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $267.83M | 68th pct | 48th pct |
| Members | 17,598 | 68th pct | 54th pct |
| Net worth ratio | 9.98% | 27th pct | 38th pct |
| Return on average assets | 1.51% | 88th pct | 85th pct |
| Net interest margin | 3.19% | 23th pct | 18th pct |
| Cost of funds | 2.01% | 88th pct | 84th pct |
| Loan-to-share | 81.73% | 73th pct | 64th pct |
| Delinquency 60+ days | 0.61% | 50th pct | 52th pct |
| Net charge-off ratio | 0.14% | 23th pct | 30th pct |
| Loan growth YoY | 3.15% | 76th pct | 51th pct |
| Share growth YoY | 11.01% | 98th pct | 89th pct |
| Efficiency ratio | 60.13% | 9th pct | 13th pct |
structural peer set hash: 825c76771241bec967fd05221152abb8… (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.