CENTRAL KEYSTONE
Charter #9213 · Sunbury, PA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 18.48% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.99% sits at the 25th percentile of structural peers — worth a closer look.
- Cost of funds of 1.81% sits at the 87th percentile of structural peers — worth a closer look.
- Efficiency ratio of 66.17% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
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 | CENTRAL KEYSTONE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $63.79M | 33th pct | 36th pct |
| Members | 3,188 | 12th pct | 26th pct |
| Net worth ratio | 18.48% | 86th pct | 84th pct |
| Return on average assets | 1.09% | 70th pct | 70th pct |
| Net interest margin | 2.99% | 17th pct | 25th pct |
| Cost of funds | 1.81% | 89th pct | 87th pct |
| Loan-to-share | 50.67% | 31th pct | 43th pct |
| Delinquency 60+ days | 0.67% | 53th pct | 43th pct |
| Net charge-off ratio | 0.15% | 40th pct | 52th pct |
| Loan growth YoY | -1.17% | 54th pct | 52th pct |
| Share growth YoY | 3.49% | 59th pct | 66th pct |
| Efficiency ratio | 66.17% | 19th pct | 18th pct |
structural peer set hash: 207696438b83a2628fab9eec4a82d0f1… (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.