FAMILY FIRST OF NY
Charter #19304 · ROCHESTER, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- On Cost of funds, the asset-size band puts this credit union at the 95th percentile but its structural peers at the 61st — a 34-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 | FAMILY FIRST OF NY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $340.16M | 80th pct | 59th pct |
| Members | 15,381 | 60th pct | 62th pct |
| Net worth ratio | 12.02% | 57th pct | 52th pct |
| Return on average assets | 0.42% | 31th pct | 34th pct |
| Net interest margin | 3.59% | 46th pct | 67th pct |
| Cost of funds | 2.31% | 95th pct | 61th pct |
| Loan-to-share | 109.92% | 99th pct | 89th pct |
| Delinquency 60+ days | 0.32% | 24th pct | 26th pct |
| Net charge-off ratio | 0.26% | 39th pct | 70th pct |
| Loan growth YoY | 3.06% | 76th pct | 69th pct |
| Share growth YoY | 5.66% | 77th pct | 79th pct |
| Efficiency ratio | 86.50% | 76th pct | 61th pct |
structural peer set hash: fca39dfffea40ea1de2ea89bf1a21773… (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.