URE
Charter #986 · East Pittsburgh, PA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 954 sits at the 20th percentile of structural peers — worth a closer look.
- Net worth ratio of 21.89% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 85th percentile but its structural peers at the 18th — a 67-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 | URE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.84M | 85th pct | 18th pct |
| Members | 954 | 80th pct | 20th pct |
| Net worth ratio | 21.89% | 65th pct | 80th pct |
| Return on average assets | 0.36% | 48th pct | 51th pct |
| Net interest margin | 4.39% | 60th pct | 51th pct |
| Cost of funds | 0.53% | 52th pct | 46th pct |
| Loan-to-share | 74.34% | 69th pct | 82th pct |
| Delinquency 60+ days | 0.80% | 50th pct | 51th pct |
| Net charge-off ratio | 0.00% | 22th pct | 23th pct |
| Loan growth YoY | -1.53% | 67th pct | 79th pct |
| Share growth YoY | -1.65% | 36th pct | 23th pct |
| Efficiency ratio | 92.62% | 60th pct | 54th pct |
structural peer set hash: db757a67841dffa55d84aa93f68617c9… (reproducible)
Closest structural peers
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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.