ACCESS
Charter #61101 · BRISTOL, PA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.95% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 1.66% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.42% sits at the 79th percentile of structural peers — worth a closer look.
- Efficiency ratio of 73.77% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 30th percentile but its structural peers at the 46th — a 16-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 | ACCESS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $69.19M | 45th pct | 38th pct |
| Members | 4,099 | 30th pct | 46th pct |
| Net worth ratio | 11.89% | 40th pct | 46th pct |
| Return on average assets | 0.45% | 36th pct | 46th pct |
| Net interest margin | 2.95% | 14th pct | 20th pct |
| Cost of funds | 1.66% | 86th pct | 89th pct |
| Loan-to-share | 52.02% | 34th pct | 44th pct |
| Delinquency 60+ days | 0.63% | 50th pct | 44th pct |
| Net charge-off ratio | 0.42% | 66th pct | 79th pct |
| Loan growth YoY | -3.15% | 34th pct | 26th pct |
| Share growth YoY | -4.55% | 2th pct | 2th pct |
| Efficiency ratio | 73.77% | 34th pct | 21th pct |
structural peer set hash: 4cc0d517b4930e21abe70d504889d4b1… (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.