SWEET HOME
Charter #11470 · AMHERST, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.38% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.27% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 63.73% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Net worth ratio, the asset-size band puts this credit union at the 45th percentile but its structural peers at the 67th — a 22-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 | SWEET HOME | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $44.66M | 91th pct | 69th pct |
| Members | 2,859 | 72th pct | 56th pct |
| Net worth ratio | 13.03% | 45th pct | 67th pct |
| Return on average assets | 1.38% | 82th pct | 87th pct |
| Net interest margin | 3.75% | 45th pct | 57th pct |
| Cost of funds | 0.27% | 19th pct | 15th pct |
| Loan-to-share | 53.23% | 44th pct | 41th pct |
| Delinquency 60+ days | 0.54% | 47th pct | 52th pct |
| Net charge-off ratio | 0.07% | 44th pct | 39th pct |
| Loan growth YoY | -1.59% | 57th pct | 46th pct |
| Share growth YoY | 2.11% | 46th pct | 41th pct |
| Efficiency ratio | 63.73% | 15th pct | 8th pct |
structural peer set hash: be0f97d6186ff8e97c993c2320182c54… (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.