BECCO BUFFALO
Charter #10225 · Tonawanda, NY · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 144 sits at the 2nd percentile of structural peers — worth a closer look.
- Return on average assets of -5.01% sits at the 2nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 80th percentile but its structural peers at the 61st — 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 | BECCO BUFFALO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 990,235 | 17th pct | 7th pct |
| Members | 144 | 9th pct | 2th pct |
| Net worth ratio | 24.53% | 74th pct | 69th pct |
| Return on average assets | -5.01% | 4th pct | 2th pct |
| Net interest margin | 3.98% | 48th pct | 43th pct |
| Cost of funds | 0.82% | 60th pct | 52th pct |
| Loan-to-share | 82.50% | 80th pct | 61th pct |
| Delinquency 60+ days | 0.70% | 46th pct | 49th pct |
| Net charge-off ratio | 0.00% | 22th pct | 18th pct |
| Loan growth YoY | -7.68% | 37th pct | 28th pct |
| Share growth YoY | -14.85% | 3th pct | 3th pct |
| Efficiency ratio | 81.61% | 43th pct | 48th pct |
structural peer set hash: 772defa2f9e84846876047e88a94c5bb… (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.