CHOICE ONE COMMUNITY
Charter #4240 · Plains Township, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.18% sits at the 15th percentile of structural peers — worth a closer look.
- Net interest margin of 3.88% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.23% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.54% sits at the 98th percentile of structural peers — worth a closer look.
- Efficiency ratio of 87.67% sits at the 77th 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 | CHOICE ONE COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $131.37M | 21th pct | 23th pct |
| Members | 10,730 | 36th pct | 43th pct |
| Net worth ratio | 9.93% | 27th pct | 34th pct |
| Return on average assets | 0.18% | 15th pct | 15th pct |
| Net interest margin | 3.88% | 65th pct | 77th pct |
| Cost of funds | 0.23% | 10th pct | 8th pct |
| Loan-to-share | 63.69% | 33th pct | 44th pct |
| Delinquency 60+ days | 2.54% | 97th pct | 98th pct |
| Net charge-off ratio | 0.32% | 47th pct | 49th pct |
| Loan growth YoY | -4.15% | 10th pct | 10th pct |
| Share growth YoY | 5.11% | 72th pct | 67th pct |
| Efficiency ratio | 87.67% | 79th pct | 77th pct |
structural peer set hash: e928dd72f94b0d63d0ad29bee92c46f3… (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.