ALCOSE
Charter #61926 · White Oak, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.10% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.33% sits at the 8th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 2.43% sits at the 95th percentile of structural peers — worth a closer look.
- Efficiency ratio of 108.00% sits at the 95th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 13th percentile but its structural peers at the 30th — a 17-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 | ALCOSE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $16.04M | 24th pct | 13th pct |
| Members | 2,043 | 47th pct | 34th pct |
| Net worth ratio | 16.10% | 66th pct | 79th pct |
| Return on average assets | -0.33% | 12th pct | 8th pct |
| Net interest margin | 3.47% | 33th pct | 34th pct |
| Cost of funds | 0.33% | 22th pct | 38th pct |
| Loan-to-share | 32.92% | 13th pct | 30th pct |
| Delinquency 60+ days | 0.60% | 50th pct | 51th pct |
| Net charge-off ratio | 2.43% | 96th pct | 95th pct |
| Loan growth YoY | -0.31% | 68th pct | 72th pct |
| Share growth YoY | 0.79% | 33th pct | 34th pct |
| Efficiency ratio | 108.00% | 93th pct | 95th pct |
structural peer set hash: e8c21af9c34062dbbf8dacd7c628912b… (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.