COOPERS CAVE
Charter #12671 · Glens Falls, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.98% sits at the 7th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.02% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
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 | COOPERS CAVE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $21.88M | 41th pct | 30th pct |
| Members | 1,926 | 43th pct | 44th pct |
| Net worth ratio | 7.98% | 5th pct | 7th pct |
| Return on average assets | 0.81% | 58th pct | 48th pct |
| Net interest margin | 3.44% | 32th pct | 39th pct |
| Cost of funds | 0.39% | 25th pct | 34th pct |
| Loan-to-share | 43.19% | 25th pct | 38th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -0.02% | 17th pct | 16th pct |
| Loan growth YoY | -7.27% | 16th pct | 16th pct |
| Share growth YoY | 4.86% | 73th pct | 66th pct |
| Efficiency ratio | 79.84% | 48th pct | 48th pct |
structural peer set hash: ad2716003de4097d12652c2fea7c2e82… (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.