PHILADELPHIA
Charter #7238 · Philadelphia, PA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 122,105 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.76% sits at the 98th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 51st percentile but its structural peers at the 80th — a 29-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 | PHILADELPHIA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.01B | 44th pct | 69th pct |
| Members | 122,105 | 51th pct | 80th pct |
| Net worth ratio | 12.52% | 76th pct | 67th pct |
| Return on average assets | 0.56% | 36th pct | 38th pct |
| Net interest margin | 3.00% | 27th pct | 49th pct |
| Cost of funds | 1.96% | 59th pct | 69th pct |
| Loan-to-share | 70.33% | 15th pct | 21th pct |
| Delinquency 60+ days | 0.85% | 71th pct | 74th pct |
| Net charge-off ratio | 0.76% | 72th pct | 98th pct |
| Loan growth YoY | 2.67% | 63th pct | 65th pct |
| Share growth YoY | 8.21% | 87th pct | 88th pct |
| Efficiency ratio | 73.69% | 54th pct | 39th pct |
structural peer set hash: 26f4f5d6b0ec6e9e2429db5a41a0b34e… (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.