TWIN RIVERS
Charter #20290 · Massena, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.23% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.71% sits at the 93rd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 62nd — a 19-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 | TWIN RIVERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $39.45M | 81th pct | 62th pct |
| Members | 2,576 | 65th pct | 52th pct |
| Net worth ratio | 12.82% | 44th pct | 44th pct |
| Return on average assets | 1.01% | 68th pct | 67th pct |
| Net interest margin | 4.12% | 63th pct | 74th pct |
| Cost of funds | 0.23% | 16th pct | 25th pct |
| Loan-to-share | 44.06% | 27th pct | 41th pct |
| Delinquency 60+ days | 0.41% | 42th pct | 56th pct |
| Net charge-off ratio | 1.71% | 93th pct | 93th pct |
| Loan growth YoY | -1.24% | 60th pct | 69th pct |
| Share growth YoY | 4.27% | 68th pct | 67th pct |
| Efficiency ratio | 77.20% | 42th pct | 46th pct |
structural peer set hash: 8174b9acf86d0f3ccf693f3358a2590d… (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.