ISLAND
Charter #10023 · Hauppauge, NY · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.27% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 2.37% sits at the 89th percentile of structural peers — worth a closer look.
- Efficiency ratio of 74.01% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Efficiency ratio, the asset-size band puts this credit union at the 55th percentile but its structural peers at the 15th — a 40-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 | ISLAND | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.35B | 23th pct | 59th pct |
| Members | 50,620 | 5th pct | 39th pct |
| Net worth ratio | 10.11% | 35th pct | 59th pct |
| Return on average assets | 0.50% | 29th pct | 54th pct |
| Net interest margin | 2.27% | 4th pct | 2th pct |
| Cost of funds | 2.37% | 82th pct | 89th pct |
| Loan-to-share | 86.25% | 49th pct | 43th pct |
| Delinquency 60+ days | 0.79% | 66th pct | 51th pct |
| Net charge-off ratio | 0.30% | 24th pct | 33th pct |
| Loan growth YoY | -4.85% | 2th pct | 5th pct |
| Share growth YoY | -3.08% | 1th pct | 5th pct |
| Efficiency ratio | 74.01% | 55th pct | 15th pct |
structural peer set hash: 8399ac35b1668f4704df93b51b2c6907… (reproducible)
Closest structural peers
This is the free public view
Claim ISLAND
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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.