NORTH DISTRICTS
Charter #61636 · GIBSONIA, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.21% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 8.48% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.67% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 92nd percentile but its structural peers at the 52nd — a 39-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 | NORTH DISTRICTS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $44.88M | 92th pct | 52th pct |
| Members | 3,227 | 80th pct | 52th pct |
| Net worth ratio | 15.30% | 62th pct | 70th pct |
| Return on average assets | 0.86% | 61th pct | 67th pct |
| Net interest margin | 4.21% | 68th pct | 82th pct |
| Cost of funds | 0.92% | 54th pct | 59th pct |
| Loan-to-share | 37.93% | 18th pct | 49th pct |
| Delinquency 60+ days | 8.48% | 100th pct | 98th pct |
| Net charge-off ratio | -0.67% | 1th pct | 0th pct |
| Loan growth YoY | -8.08% | 13th pct | 18th pct |
| Share growth YoY | 1.49% | 39th pct | 48th pct |
| Efficiency ratio | 73.14% | 33th pct | 31th pct |
structural peer set hash: 5905f63aa77b375f99d03ce26b378b55… (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.