BYKOTA
Charter #20419 · Brooklyn, NY · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 901 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 4.71% sits at the 0th percentile of structural peers — worth a closer look.
- Return on average assets of -1.63% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 26.06% sits at the 92nd percentile of structural peers — worth a closer look.
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 | BYKOTA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.57M | 25th pct | 52th pct |
| Members | 901 | 78th pct | 79th pct |
| Net worth ratio | 4.71% | 1th pct | 0th pct |
| Return on average assets | -1.63% | 12th pct | 10th pct |
| Net interest margin | 2.86% | 18th pct | 33th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 4.72% | 3th pct | 11th pct |
| Delinquency 60+ days | 26.06% | 99th pct | 92th pct |
| Net charge-off ratio | 0.00% | 22th pct | 20th pct |
| Loan growth YoY | -49.40% | 0th pct | 0th pct |
| Share growth YoY | 0.06% | 50th pct | 54th pct |
| Efficiency ratio | 156.67% | 94th pct | 90th pct |
structural peer set hash: a9da11ed0596a6c2eb293abac188b29f… (reproducible)
Closest structural peers
This is the free public view
Claim BYKOTA
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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.