NYM
Charter #18238 · Brooklyn, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.29% sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 4.29% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.18% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 71st percentile but its structural peers at the 93rd — 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 | NYM | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $19.67M | 35th pct | 13th pct |
| Members | 2,120 | 51th pct | 49th pct |
| Net worth ratio | 16.07% | 66th pct | 74th pct |
| Return on average assets | 0.29% | 31th pct | 25th pct |
| Net interest margin | 4.29% | 71th pct | 93th pct |
| Cost of funds | 0.18% | 12th pct | 8th pct |
| Loan-to-share | 21.30% | 4th pct | 18th pct |
| Delinquency 60+ days | 0.84% | 63th pct | 59th pct |
| Net charge-off ratio | 0.14% | 51th pct | 56th pct |
| Loan growth YoY | -7.71% | 15th pct | 13th pct |
| Share growth YoY | 1.30% | 38th pct | 51th pct |
| Efficiency ratio | 85.07% | 62th pct | 67th pct |
structural peer set hash: 78a37a68a4acfd0f7f01f66897f83058… (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.