SERVU
Charter #10933 · Painted Post, NY · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.76% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.41% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.19% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.19% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 7th percentile but its structural peers at the 25th — a 18-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 | SERVU | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $518.97M | 7th pct | 25th pct |
| Members | 43,467 | 55th pct | 43th pct |
| Net worth ratio | 14.76% | 92th pct | 90th pct |
| Return on average assets | 1.41% | 86th pct | 80th pct |
| Net interest margin | 4.19% | 91th pct | 85th pct |
| Cost of funds | 0.95% | 22th pct | 31th pct |
| Loan-to-share | 85.49% | 64th pct | 64th pct |
| Delinquency 60+ days | 0.55% | 46th pct | 49th pct |
| Net charge-off ratio | 0.19% | 19th pct | 16th pct |
| Loan growth YoY | 4.55% | 89th pct | 87th pct |
| Share growth YoY | 5.27% | 74th pct | 62th pct |
| Efficiency ratio | 69.52% | 21th pct | 31th pct |
structural peer set hash: 3af00e9b8592d58a5fa3e53228123a43… (reproducible)
Closest structural peers
This is the free public view
Claim SERVU
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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.