MORRISONS COVE 1ST
Charter #9681 · ROARING SPRING, PA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.55% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 60.83% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 29th percentile but its structural peers at the 48th — a 19-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 | MORRISONS COVE 1ST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $61.81M | 29th pct | 48th pct |
| Members | 4,353 | 35th pct | 49th pct |
| Net worth ratio | 10.37% | 24th pct | 26th pct |
| Return on average assets | 1.55% | 87th pct | 89th pct |
| Net interest margin | 3.61% | 46th pct | 61th pct |
| Cost of funds | 0.75% | 37th pct | 44th pct |
| Loan-to-share | 38.97% | 12th pct | 28th pct |
| Delinquency 60+ days | 0.63% | 50th pct | 54th pct |
| Net charge-off ratio | 0.11% | 35th pct | 49th pct |
| Loan growth YoY | -5.89% | 13th pct | 18th pct |
| Share growth YoY | 7.58% | 90th pct | 92th pct |
| Efficiency ratio | 60.83% | 11th pct | 11th pct |
structural peer set hash: 19406d29e1421d623a7201ba3d597ce0… (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.