TROY
Charter #15928 · TROY, NY · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 529 sits at the 16th percentile of structural peers — worth a closer look.
- Net interest margin of 3.33% sits at the 25th percentile of structural peers — worth a closer look.
- Cost of funds of 1.96% sits at the 80th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 47th percentile but its structural peers at the 11th — 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 | TROY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.69M | 47th pct | 11th pct |
| Members | 529 | 45th pct | 16th pct |
| Net worth ratio | 15.99% | 43th pct | 66th pct |
| Return on average assets | 0.14% | 38th pct | 30th pct |
| Net interest margin | 3.33% | 27th pct | 25th pct |
| Cost of funds | 1.96% | 87th pct | 80th pct |
| Loan-to-share | 74.88% | 70th pct | 59th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 31th pct |
| Loan growth YoY | 14.53% | 95th pct | 98th pct |
| Share growth YoY | 4.29% | 78th pct | 69th pct |
| Efficiency ratio | 89.71% | 55th pct | 61th pct |
structural peer set hash: 96d6e54285e7e77b5d44b44b3f96ccea… (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.