DIVISION 726
Charter #20336 · STATEN ISLAND, NY · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 5.19% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.39% sits at the 90th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 7.29% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 20.12% sits at the 98th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 93rd percentile but its structural peers at the 18th — a 75-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 | DIVISION 726 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.95M | 93th pct | 18th pct |
| Members | 2,477 | 99th pct | 51th pct |
| Net worth ratio | 15.74% | 42th pct | 64th pct |
| Return on average assets | 0.46% | 52th pct | 52th pct |
| Net interest margin | 5.19% | 82th pct | 90th pct |
| Cost of funds | 1.39% | 75th pct | 90th pct |
| Loan-to-share | 57.22% | 49th pct | 75th pct |
| Delinquency 60+ days | 7.29% | 92th pct | 98th pct |
| Net charge-off ratio | 20.12% | 100th pct | 98th pct |
| Loan growth YoY | -12.81% | 19th pct | 8th pct |
| Share growth YoY | -1.45% | 37th pct | 23th pct |
| Efficiency ratio | 93.54% | 61th pct | 66th pct |
structural peer set hash: c3a80ac2bd1486125987c4f1cfad47d3… (reproducible)
Closest structural peers
This is the free public view
Claim DIVISION 726
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.