VALLEY 1ST COMMUNITY
Charter #649 · MONESSEN, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 23.24% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.57% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.30% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 62.27% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 3rd percentile but its structural peers at the 25th — a 21-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 | VALLEY 1ST COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $104.22M | 3th pct | 25th pct |
| Members | 7,342 | 14th pct | 30th pct |
| Net worth ratio | 23.24% | 99th pct | 93th pct |
| Return on average assets | 1.57% | 90th pct | 79th pct |
| Net interest margin | 4.30% | 84th pct | 84th pct |
| Cost of funds | 1.03% | 40th pct | 44th pct |
| Loan-to-share | 72.91% | 52th pct | 44th pct |
| Delinquency 60+ days | 0.48% | 40th pct | 43th pct |
| Net charge-off ratio | 0.26% | 38th pct | 56th pct |
| Loan growth YoY | 5.54% | 89th pct | 97th pct |
| Share growth YoY | 2.32% | 32th pct | 38th pct |
| Efficiency ratio | 62.27% | 11th pct | 18th pct |
structural peer set hash: bc3abf13bf2eda8f176edb7861e01bab… (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.