PHB EMPLOYEES
Charter #6277 · Fairview, PA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,095 sits at the 11th percentile of structural peers — worth a closer look.
- Net worth ratio of 19.77% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.87% sits at the 75th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 2.20% sits at the 92nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 90th percentile but its structural peers at the 10th — a 80-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 | PHB EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.45M | 90th pct | 10th pct |
| Members | 1,095 | 86th pct | 11th pct |
| Net worth ratio | 19.77% | 58th pct | 89th pct |
| Return on average assets | 0.80% | 65th pct | 49th pct |
| Net interest margin | 3.83% | 43th pct | 41th pct |
| Cost of funds | 0.87% | 61th pct | 75th pct |
| Loan-to-share | 28.87% | 18th pct | 25th pct |
| Delinquency 60+ days | 0.39% | 38th pct | 36th pct |
| Net charge-off ratio | 2.20% | 92th pct | 92th pct |
| Loan growth YoY | -7.85% | 36th pct | 23th pct |
| Share growth YoY | 8.46% | 91th pct | 97th pct |
| Efficiency ratio | 72.69% | 27th pct | 39th pct |
structural peer set hash: a245092483d68785537533d67dc16514… (reproducible)
Closest structural peers
This is the free public view
Claim PHB EMPLOYEES
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.