EMPIRT 207
Charter #1343 · new york, NY · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 28.91% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 6.27% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.24% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.38% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.06% ranks in the 11th 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 | EMPIRT 207 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.69M | 48th pct | 25th pct |
| Members | 828 | 72th pct | 39th pct |
| Net worth ratio | 28.91% | 83th pct | 79th pct |
| Return on average assets | 0.72% | 61th pct | 43th pct |
| Net interest margin | 6.27% | 92th pct | 87th pct |
| Cost of funds | 0.24% | 33th pct | 8th pct |
| Loan-to-share | 80.99% | 79th pct | 57th pct |
| Delinquency 60+ days | 2.38% | 72th pct | 82th pct |
| Net charge-off ratio | -0.06% | 15th pct | 11th pct |
| Loan growth YoY | 4.27% | 86th pct | 77th pct |
| Share growth YoY | 0.08% | 50th pct | 36th pct |
| Efficiency ratio | 74.44% | 30th pct | 43th pct |
structural peer set hash: 847ca9de6df9bda3c33b602d89475548… (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.