ST. PHILIP'S CHURCH
Charter #7172 · New York, NY · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 34.04% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.10% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 11.49% sits at the 88th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
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 | ST. PHILIP'S CHURCH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.27M | 21th pct | 54th pct |
| Members | 299 | 25th pct | 66th pct |
| Net worth ratio | 34.04% | 90th pct | 80th pct |
| Return on average assets | 1.22% | 78th pct | 67th pct |
| Net interest margin | 2.10% | 8th pct | 15th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 14.49% | 7th pct | 26th pct |
| Delinquency 60+ days | 11.49% | 96th pct | 88th pct |
| Net charge-off ratio | 0.00% | 22th pct | 23th pct |
| Loan growth YoY | 106.93% | 99th pct | 93th pct |
| Share growth YoY | -1.10% | 40th pct | 48th pct |
| Efficiency ratio | 42.43% | 6th pct | 8th pct |
structural peer set hash: cd9d8944d3f7c2345a812314ab7cb969… (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.