DERRY AREA
Charter #6196 · DERRY, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.08% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 2.73% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 1.58% sits at the 85th percentile of structural peers — worth a closer look.
- Efficiency ratio of 99.81% sits at the 89th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 26th percentile but its structural peers at the 48th — a 22-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 | DERRY AREA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $14.21M | 18th pct | 30th pct |
| Members | 1,848 | 40th pct | 48th pct |
| Net worth ratio | 11.25% | 28th pct | 34th pct |
| Return on average assets | 0.08% | 21th pct | 18th pct |
| Net interest margin | 2.73% | 9th pct | 11th pct |
| Cost of funds | 1.58% | 80th pct | 85th pct |
| Loan-to-share | 43.39% | 26th pct | 48th pct |
| Delinquency 60+ days | 1.28% | 74th pct | 70th pct |
| Net charge-off ratio | 0.11% | 48th pct | 49th pct |
| Loan growth YoY | -9.86% | 8th pct | 7th pct |
| Share growth YoY | 11.22% | 96th pct | 85th pct |
| Efficiency ratio | 99.81% | 89th pct | 89th pct |
structural peer set hash: 0ed698d6c4aa82c4c76969f6bf07ed60… (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.