SPC BROOKLYN
Charter #18858 · Brooklyn, NY · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.47% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 19th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 10th percentile but its structural peers at the 59th — a 49-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 | SPC BROOKLYN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 374,825 | 7th pct | 43th pct |
| Members | 187 | 13th pct | 43th pct |
| Net worth ratio | 13.35% | 28th pct | 26th pct |
| Return on average assets | 1.32% | 81th pct | 70th pct |
| Net interest margin | 4.47% | 63th pct | 84th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 19.85% | 10th pct | 59th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 19th pct |
| Loan growth YoY | 2.47% | 82th pct | 78th pct |
| Share growth YoY | -2.95% | 28th pct | 41th pct |
| Efficiency ratio | 79.81% | 39th pct | 44th pct |
structural peer set hash: ffbc96cc570854c24ea70d4abbe88f4c… (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.