HERSHEY
Charter #6095 · Hummelstown, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- On Cost of funds, the asset-size band puts this credit union at the 55th percentile but its structural peers at the 31st — a 24-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 | HERSHEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $126.25M | 17th pct | 15th pct |
| Members | 9,341 | 27th pct | 38th pct |
| Net worth ratio | 9.46% | 20th pct | 31th pct |
| Return on average assets | 0.70% | 50th pct | 54th pct |
| Net interest margin | 4.04% | 74th pct | 72th pct |
| Cost of funds | 1.29% | 55th pct | 31th pct |
| Loan-to-share | 92.25% | 92th pct | 77th pct |
| Delinquency 60+ days | 0.86% | 69th pct | 67th pct |
| Net charge-off ratio | 0.29% | 43th pct | 51th pct |
| Loan growth YoY | 0.63% | 54th pct | 36th pct |
| Share growth YoY | 4.64% | 67th pct | 79th pct |
| Efficiency ratio | 80.91% | 59th pct | 49th pct |
structural peer set hash: 2d823d11dce4ab47df57306f565eb396… (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.