ALLIANCE NIAGARA
Charter #18409 · SANBORN, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,134 sits at the 2nd percentile of structural peers — worth a closer look.
- Net worth ratio of 8.00% sits at the 2nd percentile of structural peers — worth a closer look.
- Net interest margin of 2.65% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 1.26% sits at the 85th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 16th percentile but its structural peers at the 46th — a 30-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 | ALLIANCE NIAGARA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $23.13M | 44th pct | 28th pct |
| Members | 1,134 | 9th pct | 2th pct |
| Net worth ratio | 8.00% | 5th pct | 2th pct |
| Return on average assets | 0.49% | 41th pct | 49th pct |
| Net interest margin | 2.65% | 8th pct | 15th pct |
| Cost of funds | 1.26% | 69th pct | 85th pct |
| Loan-to-share | 35.80% | 16th pct | 46th pct |
| Delinquency 60+ days | 1.15% | 72th pct | 66th pct |
| Net charge-off ratio | 0.00% | 23th pct | 26th pct |
| Loan growth YoY | -5.97% | 24th pct | 30th pct |
| Share growth YoY | 1.08% | 36th pct | 31th pct |
| Efficiency ratio | 81.76% | 53th pct | 48th pct |
structural peer set hash: c8a7c8d7eebf64c09babd63e0f46fef2… (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.