COBBLESTONE COUNTRY
Charter #16672 · Albion, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 2.35% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.39% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.02% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.74% sits at the 87th percentile of structural peers — worth a closer look.
- Efficiency ratio of 52.86% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
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 | COBBLESTONE COUNTRY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $23.94M | 47th pct | 46th pct |
| Members | 2,731 | 68th pct | 64th pct |
| Net worth ratio | 14.48% | 56th pct | 51th pct |
| Return on average assets | 2.35% | 97th pct | 97th pct |
| Net interest margin | 5.39% | 96th pct | 95th pct |
| Cost of funds | 0.02% | 2th pct | 0th pct |
| Loan-to-share | 78.39% | 83th pct | 59th pct |
| Delinquency 60+ days | 0.35% | 39th pct | 39th pct |
| Net charge-off ratio | 0.74% | 79th pct | 87th pct |
| Loan growth YoY | -1.14% | 60th pct | 54th pct |
| Share growth YoY | 0.38% | 29th pct | 39th pct |
| Efficiency ratio | 52.86% | 5th pct | 2th pct |
structural peer set hash: c80fcda86ec68e48c16172f2ef986bd0… (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.