TOWN OF HEMPSTEAD EMPLOYEES
Charter #15539 · NORTH BALDWIN, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.01% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 0.53% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.18% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 31st percentile but its structural peers at the 57th — 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 | TOWN OF HEMPSTEAD EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $149.08M | 30th pct | 41th pct |
| Members | 9,703 | 31th pct | 57th pct |
| Net worth ratio | 8.01% | 3th pct | 8th pct |
| Return on average assets | 0.73% | 52th pct | 72th pct |
| Net interest margin | 2.87% | 10th pct | 34th pct |
| Cost of funds | 0.53% | 20th pct | 13th pct |
| Loan-to-share | 40.40% | 5th pct | 25th pct |
| Delinquency 60+ days | 0.18% | 12th pct | 18th pct |
| Net charge-off ratio | 0.35% | 49th pct | 69th pct |
| Loan growth YoY | 6.33% | 92th pct | 92th pct |
| Share growth YoY | 0.62% | 13th pct | 18th pct |
| Efficiency ratio | 77.78% | 47th pct | 36th pct |
structural peer set hash: 13cb563bd18b6515855f54a6321f53d7… (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.