VAN CORTLANDT COOPERATIVE
Charter #1125 · BRONX, NY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,950 sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 0.50% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.65% sits at the 79th percentile of structural peers — worth a closer look.
- Efficiency ratio of 70.87% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 26th percentile but its structural peers at the 67th — a 42-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 | VAN CORTLANDT COOPERATIVE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $54.93M | 13th pct | 31th pct |
| Members | 1,950 | 1th pct | 18th pct |
| Net worth ratio | 11.87% | 39th pct | 41th pct |
| Return on average assets | 0.53% | 41th pct | 59th pct |
| Net interest margin | 3.24% | 26th pct | 67th pct |
| Cost of funds | 0.50% | 24th pct | 23th pct |
| Loan-to-share | 28.28% | 4th pct | 25th pct |
| Delinquency 60+ days | 0.70% | 55th pct | 52th pct |
| Net charge-off ratio | 0.65% | 79th pct | 79th pct |
| Loan growth YoY | 6.39% | 95th pct | 97th pct |
| Share growth YoY | 1.00% | 28th pct | 41th pct |
| Efficiency ratio | 70.87% | 28th pct | 23th pct |
structural peer set hash: e0fa8dd5fffeb197f24e5f3a69f32d4a… (reproducible)
Closest structural peers
This is the free public view
Claim VAN CORTLANDT COOPERATIVE
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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.