HEALTHCARE FIRST CREDIT UNION
Charter #65013 · JOHNSTOWN, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 8,047 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.94% sits at the 18th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.17% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.56% sits at the 75th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 18th percentile but its structural peers at the 79th — a 60-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 | HEALTHCARE FIRST CREDIT UNION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $100.95M | 1th pct | 61th pct |
| Members | 8,047 | 18th pct | 79th pct |
| Net worth ratio | 13.24% | 71th pct | 61th pct |
| Return on average assets | 1.07% | 73th pct | 62th pct |
| Net interest margin | 2.94% | 12th pct | 18th pct |
| Cost of funds | 0.54% | 21th pct | 33th pct |
| Loan-to-share | 31.98% | 2th pct | 25th pct |
| Delinquency 60+ days | 1.17% | 83th pct | 82th pct |
| Net charge-off ratio | 0.56% | 70th pct | 75th pct |
| Loan growth YoY | -8.96% | 1th pct | 11th pct |
| Share growth YoY | 2.04% | 28th pct | 26th pct |
| Efficiency ratio | 70.89% | 26th pct | 30th pct |
structural peer set hash: e778638f3fe3163e0969c911c7254ac5… (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.