STEEL STRONG COMMUNITY
Charter #4828 · Elizabeth, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 24.41% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.78% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.09% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 63.65% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 68th percentile but its structural peers at the 46th — a 22-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 | STEEL STRONG COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $32.81M | 68th pct | 46th pct |
| Members | 2,370 | 59th pct | 43th pct |
| Net worth ratio | 24.41% | 94th pct | 92th pct |
| Return on average assets | 1.78% | 91th pct | 84th pct |
| Net interest margin | 5.09% | 93th pct | 95th pct |
| Cost of funds | 0.51% | 33th pct | 28th pct |
| Loan-to-share | 68.21% | 68th pct | 62th pct |
| Delinquency 60+ days | 0.48% | 45th pct | 38th pct |
| Net charge-off ratio | 0.51% | 72th pct | 74th pct |
| Loan growth YoY | 0.41% | 73th pct | 82th pct |
| Share growth YoY | 3.34% | 60th pct | 64th pct |
| Efficiency ratio | 63.65% | 15th pct | 10th pct |
structural peer set hash: 85a56bcb3ff6b926d67ceb9936b7bdb6… (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.