TEG
Charter #19401 · POUGHKEEPSIE, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 35,724 ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.17% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 67th percentile but its structural peers at the 38th — a 29-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 | TEG | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $497.98M | 100th pct | 85th pct |
| Members | 35,724 | 97th pct | 89th pct |
| Net worth ratio | 8.87% | 12th pct | 26th pct |
| Return on average assets | 0.97% | 68th pct | 72th pct |
| Net interest margin | 4.17% | 80th pct | 85th pct |
| Cost of funds | 1.51% | 67th pct | 38th pct |
| Loan-to-share | 85.96% | 81th pct | 52th pct |
| Delinquency 60+ days | 0.44% | 36th pct | 31th pct |
| Net charge-off ratio | 0.51% | 65th pct | 72th pct |
| Loan growth YoY | 1.95% | 66th pct | 50th pct |
| Share growth YoY | 4.73% | 68th pct | 62th pct |
| Efficiency ratio | 77.38% | 45th pct | 33th pct |
structural peer set hash: 4da4f3139389679f88130aa211b63030… (reproducible)
Closest structural peers
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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.