ACTORS
Charter #15358 · NEW YORK, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 30,768 ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.30% sits at the 3rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.57% sits at the 93rd percentile of structural peers — worth a closer look.
- On Efficiency ratio, the asset-size band puts this credit union at the 82nd percentile but its structural peers at the 56th — a 26-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 | ACTORS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $334.79M | 79th pct | 59th pct |
| Members | 30,768 | 94th pct | 92th pct |
| Net worth ratio | 9.48% | 21th pct | 39th pct |
| Return on average assets | 0.22% | 17th pct | 36th pct |
| Net interest margin | 2.30% | 3th pct | 3th pct |
| Cost of funds | 1.25% | 53th pct | 44th pct |
| Loan-to-share | 67.66% | 41th pct | 39th pct |
| Delinquency 60+ days | 2.57% | 97th pct | 93th pct |
| Net charge-off ratio | 0.09% | 18th pct | 30th pct |
| Loan growth YoY | -3.12% | 16th pct | 15th pct |
| Share growth YoY | 0.68% | 14th pct | 18th pct |
| Efficiency ratio | 88.87% | 82th pct | 56th pct |
structural peer set hash: 081f0a35cdb89e1084c9479280b7fe08… (reproducible)
Closest structural peers
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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.