THE ONE
Charter #6187 · Meadville, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.82% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 1.59% sits at the 87th percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 53rd percentile but its structural peers at the 28th — a 25-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 | THE ONE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $135.07M | 23th pct | 18th pct |
| Members | 12,276 | 45th pct | 28th pct |
| Net worth ratio | 8.82% | 12th pct | 11th pct |
| Return on average assets | 0.32% | 24th pct | 28th pct |
| Net interest margin | 3.86% | 64th pct | 39th pct |
| Cost of funds | 1.59% | 72th pct | 87th pct |
| Loan-to-share | 83.13% | 76th pct | 75th pct |
| Delinquency 60+ days | 0.42% | 34th pct | 31th pct |
| Net charge-off ratio | 0.39% | 53th pct | 28th pct |
| Loan growth YoY | 2.11% | 68th pct | 57th pct |
| Share growth YoY | 5.11% | 72th pct | 72th pct |
| Efficiency ratio | 83.03% | 66th pct | 59th pct |
structural peer set hash: 4e196f1df1573250c6ec75b47d6688f6… (reproducible)
Closest structural peers
This is the free public view
Claim THE ONE
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.