SUFFOLK
Charter #17914 · Medford, NY · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.49% sits at the 11th percentile of structural peers — worth a closer look.
- Return on average assets of 0.35% sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 2.63% sits at the 21st percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.13% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 46th percentile but its structural peers at the 74th — a 28-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 | SUFFOLK | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.07B | 46th pct | 74th pct |
| Members | 72,569 | 20th pct | 48th pct |
| Net worth ratio | 8.49% | 7th pct | 11th pct |
| Return on average assets | 0.35% | 18th pct | 25th pct |
| Net interest margin | 2.63% | 13th pct | 21th pct |
| Cost of funds | 2.03% | 63th pct | 64th pct |
| Loan-to-share | 76.01% | 24th pct | 23th pct |
| Delinquency 60+ days | 0.50% | 37th pct | 43th pct |
| Net charge-off ratio | 0.13% | 8th pct | 23th pct |
| Loan growth YoY | 2.31% | 58th pct | 67th pct |
| Share growth YoY | 2.85% | 27th pct | 43th pct |
| Efficiency ratio | 78.74% | 73th pct | 46th pct |
structural peer set hash: 244c8ef461ea039711dca228dea33130… (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.