PITTSFORD
Charter #19085 · PITTSFORD, NY · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 21,183 sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 2.62% sits at the 20th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.12% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.03% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 78.42% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
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 | PITTSFORD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $544.71M | 13th pct | 16th pct |
| Members | 21,183 | 3th pct | 11th pct |
| Net worth ratio | 11.63% | 69th pct | 70th pct |
| Return on average assets | 0.62% | 49th pct | 61th pct |
| Net interest margin | 2.62% | 5th pct | 20th pct |
| Cost of funds | 1.50% | 52th pct | 51th pct |
| Loan-to-share | 73.36% | 30th pct | 28th pct |
| Delinquency 60+ days | 0.12% | 5th pct | 3th pct |
| Net charge-off ratio | 0.03% | 3th pct | 5th pct |
| Loan growth YoY | -1.79% | 20th pct | 20th pct |
| Share growth YoY | 2.00% | 22th pct | 28th pct |
| Efficiency ratio | 78.42% | 51th pct | 25th pct |
structural peer set hash: 8057cc1770191dd3d3c081b8029a1d65… (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.