SPENCERPORT
Charter #14884 · Spencerport, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.10% sits at the 25th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 94th percentile but its structural peers at the 57th — a 36-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 | SPENCERPORT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $42.75M | 88th pct | 52th pct |
| Members | 4,442 | 94th pct | 57th pct |
| Net worth ratio | 9.10% | 11th pct | 25th pct |
| Return on average assets | 0.76% | 56th pct | 51th pct |
| Net interest margin | 3.85% | 49th pct | 26th pct |
| Cost of funds | 0.90% | 53th pct | 49th pct |
| Loan-to-share | 57.14% | 50th pct | 44th pct |
| Delinquency 60+ days | 0.74% | 58th pct | 39th pct |
| Net charge-off ratio | 0.33% | 64th pct | 46th pct |
| Loan growth YoY | 0.75% | 75th pct | 64th pct |
| Share growth YoY | 6.32% | 82th pct | 70th pct |
| Efficiency ratio | 76.11% | 40th pct | 52th pct |
structural peer set hash: ebeca0ab2ee6c28d1cdf8a401e8f266c… (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.