GATES CHILI
Charter #16236 · Rochester, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.33% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 0.01% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 64th percentile but its structural peers at the 44th — a 20-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 | GATES CHILI | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $31.35M | 64th pct | 44th pct |
| Members | 2,222 | 55th pct | 36th pct |
| Net worth ratio | 7.33% | 2th pct | 2th pct |
| Return on average assets | 0.55% | 44th pct | 56th pct |
| Net interest margin | 3.80% | 47th pct | 52th pct |
| Cost of funds | 0.01% | 1th pct | 2th pct |
| Loan-to-share | 44.81% | 28th pct | 48th pct |
| Delinquency 60+ days | 0.25% | 32th pct | 26th pct |
| Net charge-off ratio | 0.09% | 46th pct | 33th pct |
| Loan growth YoY | -5.29% | 28th pct | 20th pct |
| Share growth YoY | 4.04% | 66th pct | 61th pct |
| Efficiency ratio | 82.16% | 54th pct | 43th pct |
structural peer set hash: d55bddc2e94c938e1ffacaa4cfe9a799… (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.