GRAND CENTRAL TERMINAL EMPLOYEES
Charter #1059 · NEW YORK, NY · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.14% sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 4.05% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.23% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 108.30% sits at the 79th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 92nd percentile but its structural peers at the 54th — a 38-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 | GRAND CENTRAL TERMINAL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.73M | 77th pct | 41th pct |
| Members | 1,418 | 92th pct | 54th pct |
| Net worth ratio | 11.97% | 22th pct | 31th pct |
| Return on average assets | -0.14% | 29th pct | 21th pct |
| Net interest margin | 4.05% | 50th pct | 77th pct |
| Cost of funds | 0.19% | 28th pct | 30th pct |
| Loan-to-share | 20.61% | 11th pct | 41th pct |
| Delinquency 60+ days | 0.43% | 40th pct | 48th pct |
| Net charge-off ratio | -0.23% | 10th pct | 10th pct |
| Loan growth YoY | -11.08% | 24th pct | 23th pct |
| Share growth YoY | -2.33% | 31th pct | 33th pct |
| Efficiency ratio | 108.30% | 80th pct | 79th pct |
structural peer set hash: d4c4f8f4551cde887547cadbc0f8dc5e… (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.