ED-MED
Charter #13186 · OGDENSBURG, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.53% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 1.46% sits at the 87th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.34% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.34% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 57.45% ranks in the 10th 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 | ED-MED | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $33.96M | 70th pct | 69th pct |
| Members | 2,088 | 49th pct | 49th pct |
| Net worth ratio | 12.53% | 41th pct | 41th pct |
| Return on average assets | 1.08% | 71th pct | 74th pct |
| Net interest margin | 2.53% | 6th pct | 8th pct |
| Cost of funds | 1.46% | 77th pct | 87th pct |
| Loan-to-share | 44.78% | 28th pct | 43th pct |
| Delinquency 60+ days | 1.34% | 75th pct | 89th pct |
| Net charge-off ratio | -0.34% | 3th pct | 7th pct |
| Loan growth YoY | -8.34% | 12th pct | 16th pct |
| Share growth YoY | 3.38% | 60th pct | 56th pct |
| Efficiency ratio | 57.45% | 8th pct | 10th pct |
structural peer set hash: 941201821b500fef30d1f21d91cd7cef… (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.