PARKS HERITAGE
Charter #16933 · GLENS FALLS, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.28% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.38% sits at the 75th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.54% sits at the 79th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 86th percentile but its structural peers at the 59th — 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 | PARKS HERITAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $41.89M | 86th pct | 59th pct |
| Members | 3,695 | 87th pct | 72th pct |
| Net worth ratio | 16.41% | 68th pct | 74th pct |
| Return on average assets | 0.83% | 59th pct | 38th pct |
| Net interest margin | 4.28% | 70th pct | 75th pct |
| Cost of funds | 1.38% | 74th pct | 75th pct |
| Loan-to-share | 66.79% | 65th pct | 57th pct |
| Delinquency 60+ days | 0.16% | 27th pct | 30th pct |
| Net charge-off ratio | 0.54% | 73th pct | 79th pct |
| Loan growth YoY | -1.37% | 59th pct | 51th pct |
| Share growth YoY | 11.01% | 96th pct | 95th pct |
| Efficiency ratio | 76.07% | 39th pct | 57th pct |
structural peer set hash: f677174244c5f77f805e6de1cac911db… (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.