WHITE ROSE
Charter #68296 · York, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.66% sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 4.19% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.67% sits at the 80th percentile of structural peers — worth a closer look.
- Efficiency ratio of 88.95% sits at the 79th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 17th percentile but its structural peers at the 36th — a 19-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 | WHITE ROSE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $116.33M | 11th pct | 30th pct |
| Members | 10,636 | 35th pct | 46th pct |
| Net worth ratio | 8.66% | 10th pct | 11th pct |
| Return on average assets | 0.28% | 21th pct | 26th pct |
| Net interest margin | 4.19% | 81th pct | 90th pct |
| Cost of funds | 0.63% | 23th pct | 26th pct |
| Loan-to-share | 54.60% | 17th pct | 36th pct |
| Delinquency 60+ days | 0.52% | 43th pct | 52th pct |
| Net charge-off ratio | 0.67% | 76th pct | 80th pct |
| Loan growth YoY | -9.76% | 0th pct | 0th pct |
| Share growth YoY | 1.14% | 18th pct | 20th pct |
| Efficiency ratio | 88.95% | 83th pct | 79th pct |
structural peer set hash: 20c85625d121f1e1fcea2b602184c2ad… (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.