FINGER LAKES HEALTH CARE
Charter #21294 · ELMIRA, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 72nd percentile but its structural peers at the 57th — a 15-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 | FINGER LAKES HEALTH CARE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $34.98M | 72th pct | 57th pct |
| Members | 2,464 | 62th pct | 48th pct |
| Net worth ratio | 15.49% | 63th pct | 61th pct |
| Return on average assets | 0.59% | 47th pct | 44th pct |
| Net interest margin | 3.45% | 32th pct | 31th pct |
| Cost of funds | 0.65% | 41th pct | 52th pct |
| Loan-to-share | 27.32% | 7th pct | 18th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.17% | 53th pct | 41th pct |
| Loan growth YoY | 1.58% | 80th pct | 89th pct |
| Share growth YoY | 4.89% | 74th pct | 79th pct |
| Efficiency ratio | 86.12% | 64th pct | 64th pct |
structural peer set hash: 1b7dac01d18e89233f6463aae795881a… (reproducible)
Closest structural peers
This is the free public view
Claim FINGER LAKES HEALTH CARE
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.