NEW CUMBERLAND
Charter #8110 · NEW CUMBERLAND, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 22,762 ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 9.12% sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 4.25% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 73.42% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 65th percentile but its structural peers at the 44th — 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 | NEW CUMBERLAND | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $232.75M | 59th pct | 57th pct |
| Members | 22,762 | 85th pct | 84th pct |
| Net worth ratio | 9.12% | 15th pct | 25th pct |
| Return on average assets | 0.88% | 62th pct | 70th pct |
| Net interest margin | 4.25% | 83th pct | 79th pct |
| Cost of funds | 0.90% | 33th pct | 43th pct |
| Loan-to-share | 65.71% | 37th pct | 48th pct |
| Delinquency 60+ days | 0.63% | 52th pct | 56th pct |
| Net charge-off ratio | 0.51% | 65th pct | 44th pct |
| Loan growth YoY | -9.20% | 1th pct | 2th pct |
| Share growth YoY | 2.64% | 38th pct | 33th pct |
| Efficiency ratio | 73.42% | 32th pct | 20th pct |
structural peer set hash: 09e855bf6073693392347aad96160c16… (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.