NORTH EAST WELCH
Charter #8687 · North East, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.71% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 64th percentile but its structural peers at the 44th — a 20-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 | NORTH EAST WELCH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $25.60M | 51th pct | 46th pct |
| Members | 2,628 | 66th pct | 54th pct |
| Net worth ratio | 16.65% | 69th pct | 72th pct |
| Return on average assets | 1.25% | 78th pct | 64th pct |
| Net interest margin | 4.71% | 85th pct | 84th pct |
| Cost of funds | 0.92% | 54th pct | 44th pct |
| Loan-to-share | 66.22% | 64th pct | 44th pct |
| Delinquency 60+ days | 0.85% | 63th pct | 51th pct |
| Net charge-off ratio | 0.08% | 46th pct | 46th pct |
| Loan growth YoY | 0.10% | 71th pct | 74th pct |
| Share growth YoY | 9.06% | 94th pct | 89th pct |
| Efficiency ratio | 72.49% | 32th pct | 48th pct |
structural peer set hash: f38320bbae856113c49f279860cb37d8… (reproducible)
Closest structural peers
This is the free public view
Claim NORTH EAST WELCH
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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.