DIAMOND
Charter #68241 · Pottstown, PA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.81% sits at the 82nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.30% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.28% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 80.37% sits at the 79th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 15th percentile but its structural peers at the 59th — a 44-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 | DIAMOND | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.22B | 15th pct | 59th pct |
| Members | 70,881 | 19th pct | 61th pct |
| Net worth ratio | 10.43% | 42th pct | 33th pct |
| Return on average assets | 0.74% | 51th pct | 52th pct |
| Net interest margin | 3.12% | 37th pct | 28th pct |
| Cost of funds | 1.81% | 52th pct | 82th pct |
| Loan-to-share | 62.39% | 9th pct | 31th pct |
| Delinquency 60+ days | 0.30% | 15th pct | 13th pct |
| Net charge-off ratio | 0.28% | 21th pct | 20th pct |
| Loan growth YoY | 0.78% | 37th pct | 46th pct |
| Share growth YoY | 7.57% | 84th pct | 82th pct |
| Efficiency ratio | 80.37% | 79th pct | 79th pct |
structural peer set hash: 61ff8a17d6bf83b5746d16b1b65facb8… (reproducible)
Closest structural peers
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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.