CORNING
Charter #1644 · Corning, NY · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- On Net charge-off ratio, the asset-size band puts this credit union at the 50th percentile but its structural peers at the 74th — a 24-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 | CORNING | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.73B | 61th pct | 61th pct |
| Members | 167,018 | 65th pct | 70th pct |
| Net worth ratio | 10.83% | 52th pct | 57th pct |
| Return on average assets | 0.84% | 60th pct | 51th pct |
| Net interest margin | 3.30% | 47th pct | 51th pct |
| Cost of funds | 1.91% | 55th pct | 48th pct |
| Loan-to-share | 93.71% | 75th pct | 64th pct |
| Delinquency 60+ days | 0.42% | 29th pct | 30th pct |
| Net charge-off ratio | 0.51% | 50th pct | 74th pct |
| Loan growth YoY | 3.45% | 70th pct | 61th pct |
| Share growth YoY | 7.25% | 83th pct | 85th pct |
| Efficiency ratio | 69.85% | 40th pct | 39th pct |
structural peer set hash: 7ae2714731b4f6c34ae33cffd8758ceb… (reproducible)
Closest structural peers
This is the free public view
Claim CORNING
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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.