HIDDEN RIVER
Charter #64932 · Pottsville, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 19,970 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 9.17% sits at the 13th percentile of structural peers — worth a closer look.
- Return on average assets of 1.32% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 62.63% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 58th percentile but its structural peers at the 74th — a 15-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 | HIDDEN RIVER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $254.11M | 64th pct | 64th pct |
| Members | 19,970 | 77th pct | 77th pct |
| Net worth ratio | 9.17% | 16th pct | 13th pct |
| Return on average assets | 1.32% | 84th pct | 82th pct |
| Net interest margin | 3.25% | 25th pct | 39th pct |
| Cost of funds | 1.36% | 58th pct | 74th pct |
| Loan-to-share | 46.94% | 9th pct | 15th pct |
| Delinquency 60+ days | 0.36% | 27th pct | 31th pct |
| Net charge-off ratio | 0.27% | 40th pct | 44th pct |
| Loan growth YoY | 4.82% | 86th pct | 85th pct |
| Share growth YoY | 5.67% | 77th pct | 69th pct |
| Efficiency ratio | 62.63% | 11th pct | 8th pct |
structural peer set hash: a753f0029058e3dd56a1b16848c7c5d9… (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.