BESSEMER SYSTEM
Charter #4982 · Greenville, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.79% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 1.04% sits at the 79th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 97th percentile but its structural peers at the 67th — a 29-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 | BESSEMER SYSTEM | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $47.48M | 97th pct | 67th pct |
| Members | 3,076 | 77th pct | 57th pct |
| Net worth ratio | 11.48% | 31th pct | 26th pct |
| Return on average assets | 0.70% | 53th pct | 46th pct |
| Net interest margin | 2.79% | 11th pct | 15th pct |
| Cost of funds | 1.04% | 61th pct | 79th pct |
| Loan-to-share | 18.51% | 2th pct | 8th pct |
| Delinquency 60+ days | 0.26% | 33th pct | 26th pct |
| Net charge-off ratio | 0.03% | 40th pct | 26th pct |
| Loan growth YoY | -15.78% | 1th pct | 2th pct |
| Share growth YoY | 2.94% | 54th pct | 54th pct |
| Efficiency ratio | 74.01% | 35th pct | 44th pct |
structural peer set hash: d7b788c54346e98f1bf86231c06f6536… (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.