PHEPLE
Charter #7297 · Greensburg, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.11% sits at the 16th percentile of structural peers — worth a closer look.
- Net interest margin of 4.43% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 52nd percentile but its structural peers at the 31st — a 21-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 | PHEPLE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $136.82M | 24th pct | 31th pct |
| Members | 18,291 | 71th pct | 69th pct |
| Net worth ratio | 9.11% | 15th pct | 16th pct |
| Return on average assets | 0.49% | 35th pct | 48th pct |
| Net interest margin | 4.43% | 88th pct | 77th pct |
| Cost of funds | 0.91% | 34th pct | 34th pct |
| Loan-to-share | 87.03% | 84th pct | 80th pct |
| Delinquency 60+ days | 0.61% | 51th pct | 54th pct |
| Net charge-off ratio | 0.39% | 52th pct | 31th pct |
| Loan growth YoY | 1.14% | 58th pct | 59th pct |
| Share growth YoY | 3.18% | 45th pct | 51th pct |
| Efficiency ratio | 84.92% | 71th pct | 66th pct |
structural peer set hash: dd0c492836150a308f33a2532a4050a8… (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.