WESTERN NEW YORK
Charter #16042 · West Seneca, NY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.24% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 71.50% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 42nd percentile but its structural peers at the 69th — a 27-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 | WESTERN NEW YORK | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $93.06M | 89th pct | 66th pct |
| Members | 8,789 | 91th pct | 74th pct |
| Net worth ratio | 11.18% | 33th pct | 38th pct |
| Return on average assets | 1.24% | 76th pct | 77th pct |
| Net interest margin | 3.70% | 51th pct | 41th pct |
| Cost of funds | 0.51% | 25th pct | 34th pct |
| Loan-to-share | 56.18% | 42th pct | 69th pct |
| Delinquency 60+ days | 0.46% | 41th pct | 30th pct |
| Net charge-off ratio | 0.25% | 50th pct | 33th pct |
| Loan growth YoY | -3.60% | 30th pct | 25th pct |
| Share growth YoY | 5.02% | 74th pct | 80th pct |
| Efficiency ratio | 71.50% | 29th pct | 23th pct |
structural peer set hash: b170a4ee973796f6c9c4096ed29c908d… (reproducible)
Closest structural peers
This is the free public view
Claim WESTERN NEW YORK
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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.