SPECIAL METALS
Charter #14522 · NEW HARTFORD, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -1.48% sits at the 0th percentile of structural peers — worth a closer look.
- Net interest margin of 3.30% sits at the 15th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 3.22% sits at the 98th 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 | SPECIAL METALS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $23.64M | 45th pct | 33th pct |
| Members | 1,767 | 36th pct | 26th pct |
| Net worth ratio | 10.85% | 25th pct | 38th pct |
| Return on average assets | -1.48% | 4th pct | 0th pct |
| Net interest margin | 3.30% | 26th pct | 15th pct |
| Cost of funds | 0.93% | 55th pct | 67th pct |
| Loan-to-share | 54.30% | 45th pct | 52th pct |
| Delinquency 60+ days | 1.11% | 71th pct | 70th pct |
| Net charge-off ratio | 3.22% | 97th pct | 98th pct |
| Loan growth YoY | -15.15% | 1th pct | 0th pct |
| Share growth YoY | 12.42% | 97th pct | 97th pct |
| Efficiency ratio | 84.76% | 61th pct | 62th pct |
structural peer set hash: 444302058cc7d282acbe28a8a3be5d9e… (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.