ONEIDA COUNTY
Charter #13102 · UTICA, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,488 sits at the 16th percentile of structural peers — worth a closer look.
- Return on average assets of -0.55% sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 3.04% sits at the 13th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.01% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 113.77% sits at the 95th percentile of structural peers — worth a closer look.
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 | ONEIDA COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $13.81M | 16th pct | 13th pct |
| Members | 1,488 | 24th pct | 16th pct |
| Net worth ratio | 12.13% | 37th pct | 41th pct |
| Return on average assets | -0.55% | 10th pct | 11th pct |
| Net interest margin | 3.04% | 18th pct | 13th pct |
| Cost of funds | 0.63% | 40th pct | 67th pct |
| Loan-to-share | 37.11% | 17th pct | 38th pct |
| Delinquency 60+ days | 0.14% | 25th pct | 28th pct |
| Net charge-off ratio | -0.01% | 20th pct | 15th pct |
| Loan growth YoY | -3.50% | 42th pct | 46th pct |
| Share growth YoY | -2.07% | 12th pct | 5th pct |
| Efficiency ratio | 113.77% | 95th pct | 95th pct |
structural peer set hash: 8eb4a67f955dd5bd1d34e733b6ea69b0… (reproducible)
Closest structural peers
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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.