N Y TEAM
Charter #19216 · Ronkonkoma, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 6.74% sits at the 2nd percentile of structural peers — worth a closer look.
- Net interest margin of 4.96% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.03% sits at the 90th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 92nd percentile but its structural peers at the 52nd — a 39-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 | N Y TEAM | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $44.71M | 92th pct | 52th pct |
| Members | 5,170 | 97th pct | 72th pct |
| Net worth ratio | 6.74% | 1th pct | 2th pct |
| Return on average assets | 0.64% | 50th pct | 61th pct |
| Net interest margin | 4.96% | 90th pct | 97th pct |
| Cost of funds | 0.61% | 39th pct | 26th pct |
| Loan-to-share | 68.85% | 69th pct | 69th pct |
| Delinquency 60+ days | 0.41% | 42th pct | 38th pct |
| Net charge-off ratio | 1.03% | 86th pct | 90th pct |
| Loan growth YoY | 6.11% | 94th pct | 89th pct |
| Share growth YoY | 4.50% | 70th pct | 69th pct |
| Efficiency ratio | 85.56% | 63th pct | 52th pct |
structural peer set hash: 5040f8baa30ea6b11b5a9c421cdb08ed… (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.