NYMEO
Charter #16408 · FREDERICK, MD · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.10% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 75.02% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Net worth ratio, the asset-size band puts this credit union at the 42nd percentile but its structural peers at the 66th — a 23-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 | NYMEO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $408.49M | 90th pct | 80th pct |
| Members | 20,941 | 80th pct | 74th pct |
| Net worth ratio | 10.96% | 42th pct | 66th pct |
| Return on average assets | 0.82% | 58th pct | 72th pct |
| Net interest margin | 4.10% | 77th pct | 90th pct |
| Cost of funds | 1.39% | 61th pct | 64th pct |
| Loan-to-share | 74.81% | 55th pct | 52th pct |
| Delinquency 60+ days | 1.07% | 79th pct | 72th pct |
| Net charge-off ratio | 0.43% | 56th pct | 69th pct |
| Loan growth YoY | -5.87% | 4th pct | 0th pct |
| Share growth YoY | 5.06% | 71th pct | 79th pct |
| Efficiency ratio | 75.02% | 38th pct | 21th pct |
structural peer set hash: 9a33c057b53b61b9dcb0baeb225f60c1… (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.