STANWOOD AREA
Charter #4088 · New Stanton, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 10.45% sits at the 25th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 46th percentile but its structural peers at the 62nd — a 17-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 | STANWOOD AREA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $18.45M | 32th pct | 31th pct |
| Members | 2,253 | 56th pct | 52th pct |
| Net worth ratio | 10.45% | 21th pct | 25th pct |
| Return on average assets | 0.33% | 32th pct | 43th pct |
| Net interest margin | 4.45% | 76th pct | 61th pct |
| Cost of funds | 0.75% | 46th pct | 62th pct |
| Loan-to-share | 63.62% | 60th pct | 64th pct |
| Delinquency 60+ days | 1.04% | 69th pct | 70th pct |
| Net charge-off ratio | 0.47% | 70th pct | 56th pct |
| Loan growth YoY | 0.95% | 77th pct | 85th pct |
| Share growth YoY | -1.26% | 17th pct | 25th pct |
| Efficiency ratio | 88.20% | 70th pct | 61th pct |
structural peer set hash: 2976e8090a3694ee422e08060049f686… (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.