CO-OPERATIVE
Charter #1134 · WOODRIDGE, NY · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 1.23% sits at the 7th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.72% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.50% sits at the 87th percentile of structural peers — worth a closer look.
- Efficiency ratio of 266.03% sits at the 98th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 8th percentile but its structural peers at the 26th — 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 | CO-OPERATIVE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.49M | 46th pct | 39th pct |
| Members | 402 | 35th pct | 43th pct |
| Net worth ratio | 22.41% | 66th pct | 59th pct |
| Return on average assets | 0.90% | 68th pct | 64th pct |
| Net interest margin | 1.23% | 3th pct | 7th pct |
| Cost of funds | 1.38% | 75th pct | 70th pct |
| Loan-to-share | 15.37% | 8th pct | 26th pct |
| Delinquency 60+ days | 1.72% | 64th pct | 77th pct |
| Net charge-off ratio | 0.50% | 82th pct | 87th pct |
| Loan growth YoY | -35.30% | 1th pct | 0th pct |
| Share growth YoY | -6.05% | 13th pct | 16th pct |
| Efficiency ratio | 266.03% | 99th pct | 98th pct |
structural peer set hash: 60c32e2dd11fc2b5e518e87f67661709… (reproducible)
Closest structural peers
This is the free public view
Claim CO-OPERATIVE
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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.