GALAXY
Charter #4116 · Franklin, PA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 17.15% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.02% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 1.40% sits at the 80th percentile of structural peers — worth a closer look.
- On Efficiency ratio, the asset-size band puts this credit union at the 34th percentile but its structural peers at the 57th — a 23-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 | GALAXY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $73.06M | 53th pct | 57th pct |
| Members | 4,551 | 40th pct | 41th pct |
| Net worth ratio | 17.15% | 82th pct | 75th pct |
| Return on average assets | 0.78% | 55th pct | 33th pct |
| Net interest margin | 3.02% | 17th pct | 13th pct |
| Cost of funds | 1.40% | 75th pct | 80th pct |
| Loan-to-share | 52.23% | 34th pct | 38th pct |
| Delinquency 60+ days | 0.41% | 38th pct | 59th pct |
| Net charge-off ratio | 0.24% | 50th pct | 61th pct |
| Loan growth YoY | 2.55% | 83th pct | 87th pct |
| Share growth YoY | 7.07% | 88th pct | 85th pct |
| Efficiency ratio | 74.18% | 34th pct | 57th pct |
structural peer set hash: b20f21339a12a585af4444bc22adb53b… (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.