ALLEGHENY CENTRAL
Charter #841 · Dunbar, PA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.81% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.85% sits at the 79th percentile of structural peers — worth a closer look.
- Efficiency ratio of 53.66% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 93rd percentile but its structural peers at the 48th — a 46-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 | ALLEGHENY CENTRAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $9.00M | 93th pct | 48th pct |
| Members | 852 | 74th pct | 36th pct |
| Net worth ratio | 18.56% | 52th pct | 66th pct |
| Return on average assets | 1.81% | 89th pct | 84th pct |
| Net interest margin | 3.83% | 43th pct | 46th pct |
| Cost of funds | 1.85% | 86th pct | 79th pct |
| Loan-to-share | 68.13% | 61th pct | 54th pct |
| Delinquency 60+ days | 0.43% | 39th pct | 52th pct |
| Net charge-off ratio | 0.00% | 22th pct | 34th pct |
| Loan growth YoY | -0.16% | 74th pct | 67th pct |
| Share growth YoY | 5.86% | 84th pct | 87th pct |
| Efficiency ratio | 53.66% | 11th pct | 13th pct |
structural peer set hash: 4820574932ca6084c3b6e2c115888948… (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.