1ST ED CREDIT UNION
Charter #65412 · Chambersburg, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.59% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.51% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 1.46% sits at the 90th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.04% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 12th percentile but its structural peers at the 52nd — a 41-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 | 1ST ED CREDIT UNION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $139.77M | 25th pct | 64th pct |
| Members | 7,068 | 12th pct | 52th pct |
| Net worth ratio | 15.59% | 88th pct | 75th pct |
| Return on average assets | 0.41% | 30th pct | 28th pct |
| Net interest margin | 2.51% | 4th pct | 3th pct |
| Cost of funds | 1.46% | 65th pct | 90th pct |
| Loan-to-share | 36.87% | 3th pct | 26th pct |
| Delinquency 60+ days | 0.51% | 42th pct | 31th pct |
| Net charge-off ratio | -0.04% | 2th pct | 10th pct |
| Loan growth YoY | -1.80% | 27th pct | 54th pct |
| Share growth YoY | 0.10% | 10th pct | 21th pct |
| Efficiency ratio | 85.86% | 74th pct | 72th pct |
structural peer set hash: 9c87c623ad57a5c40b174cd55dfffdf7… (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.