3HILL
Charter #68297 · Blue Bell, PA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.34% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.56% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.38% sits at the 97th percentile of structural peers — worth a closer look.
- Efficiency ratio of 68.70% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 35th percentile but its structural peers at the 56th — 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 | 3HILL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $51.15M | 4th pct | 15th pct |
| Members | 3,226 | 13th pct | 26th pct |
| Net worth ratio | 11.95% | 41th pct | 57th pct |
| Return on average assets | 1.34% | 80th pct | 87th pct |
| Net interest margin | 3.45% | 35th pct | 56th pct |
| Cost of funds | 0.63% | 30th pct | 26th pct |
| Loan-to-share | 55.67% | 41th pct | 39th pct |
| Delinquency 60+ days | 1.56% | 88th pct | 89th pct |
| Net charge-off ratio | 1.38% | 94th pct | 97th pct |
| Loan growth YoY | 9.99% | 98th pct | 97th pct |
| Share growth YoY | 3.05% | 52th pct | 41th pct |
| Efficiency ratio | 68.70% | 24th pct | 16th pct |
structural peer set hash: 23f00693c97af12fba5f8e6895ea4073… (reproducible)
Closest structural peers
This is the free public view
Claim 3HILL
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.