WESTSIDE COMMUNITY
Charter #15324 · CHURCHVILLE, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.40% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.21% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 58.87% ranks in the 2nd 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 | WESTSIDE COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $25.27M | 50th pct | 54th pct |
| Members | 1,849 | 40th pct | 46th pct |
| Net worth ratio | 10.74% | 24th pct | 30th pct |
| Return on average assets | 1.40% | 83th pct | 89th pct |
| Net interest margin | 3.37% | 29th pct | 30th pct |
| Cost of funds | 0.21% | 15th pct | 16th pct |
| Loan-to-share | 59.06% | 53th pct | 51th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -0.01% | 20th pct | 26th pct |
| Loan growth YoY | -0.65% | 65th pct | 72th pct |
| Share growth YoY | 0.07% | 26th pct | 20th pct |
| Efficiency ratio | 58.87% | 10th pct | 2th pct |
structural peer set hash: df738170174599a567dd1c3af0371f84… (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.