HIGH POINT
Charter #21083 · Olean, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 22,641 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 14.04% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.26% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.95% sits at the 13th percentile of structural peers — worth a closer look.
- Efficiency ratio of 58.56% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
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 | HIGH POINT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $433.84M | 94th pct | 87th pct |
| Members | 22,641 | 84th pct | 75th pct |
| Net worth ratio | 14.04% | 80th pct | 77th pct |
| Return on average assets | 2.26% | 98th pct | 95th pct |
| Net interest margin | 2.95% | 13th pct | 13th pct |
| Cost of funds | 1.06% | 42th pct | 44th pct |
| Loan-to-share | 60.76% | 28th pct | 33th pct |
| Delinquency 60+ days | 0.81% | 66th pct | 67th pct |
| Net charge-off ratio | 0.18% | 28th pct | 33th pct |
| Loan growth YoY | 8.06% | 96th pct | 90th pct |
| Share growth YoY | 5.90% | 80th pct | 70th pct |
| Efficiency ratio | 58.56% | 7th pct | 15th pct |
structural peer set hash: 9585b9538cc00ebf1ea34001762bb09a… (reproducible)
Closest structural peers
This is the free public view
Claim HIGH POINT
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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.