CANANDAIGUA
Charter #16176 · CANANDAIGUA, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,969 sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 3.14% sits at the 20th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.81% sits at the 92nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 57th percentile but its structural peers at the 30th — 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 | CANANDAIGUA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $28.32M | 57th pct | 30th pct |
| Members | 1,969 | 44th pct | 25th pct |
| Net worth ratio | 11.48% | 31th pct | 33th pct |
| Return on average assets | 0.69% | 52th pct | 51th pct |
| Net interest margin | 3.14% | 20th pct | 20th pct |
| Cost of funds | 0.24% | 17th pct | 28th pct |
| Loan-to-share | 40.69% | 22th pct | 38th pct |
| Delinquency 60+ days | 2.81% | 92th pct | 92th pct |
| Net charge-off ratio | 0.24% | 59th pct | 51th pct |
| Loan growth YoY | -8.33% | 12th pct | 7th pct |
| Share growth YoY | 1.02% | 36th pct | 30th pct |
| Efficiency ratio | 81.15% | 52th pct | 49th pct |
structural peer set hash: a6622ee99f212ac344af989ead1dde73… (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.