LATROBE
Charter #6689 · LATROBE, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.16% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 2.79% sits at the 21st percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.01% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 104.46% sits at the 93rd percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 29th percentile but its structural peers at the 49th — a 20-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 | LATROBE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $14.15M | 18th pct | 38th pct |
| Members | 1,617 | 29th pct | 49th pct |
| Net worth ratio | 11.26% | 28th pct | 36th pct |
| Return on average assets | -0.16% | 15th pct | 5th pct |
| Net interest margin | 2.79% | 11th pct | 21th pct |
| Cost of funds | 0.84% | 50th pct | 61th pct |
| Loan-to-share | 24.81% | 5th pct | 21th pct |
| Delinquency 60+ days | 1.00% | 68th pct | 64th pct |
| Net charge-off ratio | -0.01% | 20th pct | 18th pct |
| Loan growth YoY | -12.71% | 3th pct | 8th pct |
| Share growth YoY | 4.10% | 67th pct | 72th pct |
| Efficiency ratio | 104.46% | 91th pct | 93th pct |
structural peer set hash: 6244d1d115adfe726c75ee5ce98d4679… (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.