ONTARIO SHORES
Charter #14462 · Newfane, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.97% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.02% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 73.03% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 24th percentile but its structural peers at the 44th — a 20-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 | ONTARIO SHORES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $201.92M | 52th pct | 54th pct |
| Members | 11,833 | 43th pct | 51th pct |
| Net worth ratio | 10.73% | 39th pct | 48th pct |
| Return on average assets | 0.99% | 69th pct | 70th pct |
| Net interest margin | 3.23% | 24th pct | 44th pct |
| Cost of funds | 1.09% | 43th pct | 59th pct |
| Loan-to-share | 50.57% | 13th pct | 30th pct |
| Delinquency 60+ days | 0.97% | 75th pct | 77th pct |
| Net charge-off ratio | 0.02% | 8th pct | 11th pct |
| Loan growth YoY | -2.19% | 24th pct | 34th pct |
| Share growth YoY | 5.51% | 76th pct | 77th pct |
| Efficiency ratio | 73.03% | 31th pct | 20th pct |
structural peer set hash: d28e461b713b0dc279d0161145f4e2d8… (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.