WEST PENN P&P
Charter #9476 · BEAVER, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,371 ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.57% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.89% sits at the 87th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 28th percentile but its structural peers at the 44th — a 16-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 | WEST PENN P&P | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $22.46M | 42th pct | 31th pct |
| Members | 4,371 | 93th pct | 89th pct |
| Net worth ratio | 13.76% | 51th pct | 52th pct |
| Return on average assets | 1.01% | 68th pct | 52th pct |
| Net interest margin | 3.34% | 28th pct | 44th pct |
| Cost of funds | 0.31% | 21th pct | 34th pct |
| Loan-to-share | 25.77% | 6th pct | 20th pct |
| Delinquency 60+ days | 1.57% | 79th pct | 82th pct |
| Net charge-off ratio | 0.89% | 83th pct | 87th pct |
| Loan growth YoY | -9.36% | 9th pct | 18th pct |
| Share growth YoY | 1.09% | 36th pct | 30th pct |
| Efficiency ratio | 72.25% | 31th pct | 46th pct |
structural peer set hash: b04fefacf3d0b58b25d5aca163f4e054… (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.