NET
Charter #4792 · Scranton, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.31% sits at the 16th percentile of structural peers — worth a closer look.
- Net interest margin of 3.34% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 1.64% sits at the 90th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.13% sits at the 85th percentile of structural peers — worth a closer look.
- Efficiency ratio of 87.59% sits at the 87th 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 | NET | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $344.23M | 80th pct | 69th pct |
| Members | 20,066 | 77th pct | 59th pct |
| Net worth ratio | 10.47% | 34th pct | 36th pct |
| Return on average assets | 0.31% | 24th pct | 16th pct |
| Net interest margin | 3.34% | 31th pct | 21th pct |
| Cost of funds | 1.64% | 74th pct | 90th pct |
| Loan-to-share | 63.22% | 32th pct | 38th pct |
| Delinquency 60+ days | 1.13% | 81th pct | 85th pct |
| Net charge-off ratio | 0.48% | 63th pct | 54th pct |
| Loan growth YoY | 11.35% | 98th pct | 98th pct |
| Share growth YoY | 7.10% | 88th pct | 92th pct |
| Efficiency ratio | 87.59% | 79th pct | 87th pct |
structural peer set hash: 22497b25ba7a4a254cb075146402fb41… (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.