MORTON LANE
Charter #15021 · BUFFALO, NY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,068 sits at the 16th percentile of structural peers — worth a closer look.
- Net interest margin of 2.63% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 2.21% sits at the 98th percentile of structural peers — worth a closer look.
- Efficiency ratio of 78.52% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Efficiency ratio, the asset-size band puts this credit union at the 46th percentile but its structural peers at the 25th — a 22-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 | MORTON LANE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $63.83M | 33th pct | 38th pct |
| Members | 3,068 | 11th pct | 16th pct |
| Net worth ratio | 12.51% | 47th pct | 57th pct |
| Return on average assets | 0.32% | 29th pct | 31th pct |
| Net interest margin | 2.63% | 6th pct | 5th pct |
| Cost of funds | 2.21% | 94th pct | 98th pct |
| Loan-to-share | 54.68% | 39th pct | 38th pct |
| Delinquency 60+ days | 0.79% | 61th pct | 52th pct |
| Net charge-off ratio | 0.09% | 31th pct | 46th pct |
| Loan growth YoY | -1.62% | 49th pct | 46th pct |
| Share growth YoY | -2.80% | 5th pct | 7th pct |
| Efficiency ratio | 78.52% | 46th pct | 25th pct |
structural peer set hash: 4bfb037e289abba71852e37041ea43dc… (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.