GLATCO
Charter #63943 · Spring Grove, PA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,982 sits at the 21st percentile of structural peers — worth a closer look.
- Net worth ratio of 15.94% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.76% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.22% sits at the 84th percentile of structural peers — worth a closer look.
- Efficiency ratio of 54.13% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
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 | GLATCO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $53.79M | 9th pct | 30th pct |
| Members | 2,982 | 9th pct | 21th pct |
| Net worth ratio | 15.94% | 75th pct | 77th pct |
| Return on average assets | 1.76% | 92th pct | 89th pct |
| Net interest margin | 3.39% | 32th pct | 43th pct |
| Cost of funds | 0.42% | 19th pct | 39th pct |
| Loan-to-share | 20.97% | 2th pct | 10th pct |
| Delinquency 60+ days | 1.22% | 79th pct | 84th pct |
| Net charge-off ratio | 0.16% | 41th pct | 51th pct |
| Loan growth YoY | -9.18% | 3th pct | 5th pct |
| Share growth YoY | 4.08% | 66th pct | 64th pct |
| Efficiency ratio | 54.13% | 6th pct | 5th pct |
structural peer set hash: 709f3eff156931203559d2bc73d0b9a2… (reproducible)
Closest structural peers
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Claim GLATCO
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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.