PEOPLE FIRST
Charter #6885 · Allentown, PA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 74,678 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 7.55% sits at the 0th percentile of structural peers — worth a closer look.
- Return on average assets of 0.29% sits at the 15th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.90% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.64% sits at the 75th percentile of structural peers — worth a closer look.
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 | PEOPLE FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.03B | 2th pct | 66th pct |
| Members | 74,678 | 23th pct | 79th pct |
| Net worth ratio | 7.55% | 1th pct | 0th pct |
| Return on average assets | 0.29% | 14th pct | 15th pct |
| Net interest margin | 3.89% | 84th pct | 74th pct |
| Cost of funds | 1.39% | 32th pct | 39th pct |
| Loan-to-share | 70.52% | 16th pct | 28th pct |
| Delinquency 60+ days | 0.90% | 74th pct | 79th pct |
| Net charge-off ratio | 0.64% | 61th pct | 75th pct |
| Loan growth YoY | 2.56% | 62th pct | 61th pct |
| Share growth YoY | 7.75% | 85th pct | 84th pct |
| Efficiency ratio | 81.67% | 83th pct | 77th pct |
structural peer set hash: f5eafce87eeee9475107e5f54c0120de… (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.