SECNY
Charter #20496 · SYRACUSE, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.49% sits at the 5th percentile of structural peers — worth a closer look.
- Return on average assets of 0.20% sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 2.98% sits at the 20th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.88% sits at the 75th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 76th percentile but its structural peers at the 57th — 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 | SECNY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $317.97M | 76th pct | 57th pct |
| Members | 15,923 | 62th pct | 51th pct |
| Net worth ratio | 7.49% | 2th pct | 5th pct |
| Return on average assets | 0.20% | 16th pct | 21th pct |
| Net interest margin | 2.98% | 14th pct | 20th pct |
| Cost of funds | 1.06% | 41th pct | 57th pct |
| Loan-to-share | 54.14% | 17th pct | 26th pct |
| Delinquency 60+ days | 0.88% | 70th pct | 75th pct |
| Net charge-off ratio | 0.42% | 56th pct | 70th pct |
| Loan growth YoY | -1.30% | 32th pct | 34th pct |
| Share growth YoY | 4.66% | 67th pct | 67th pct |
| Efficiency ratio | 87.26% | 78th pct | 67th pct |
structural peer set hash: d2ad0c143907ea56c6d1c18247f1ae0a… (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.