SUNY FREDONIA
Charter #21851 · FREDONIA, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,330 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.80% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.08% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 35.71% ranks in the 0th 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 | SUNY FREDONIA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $48.18M | 98th pct | 89th pct |
| Members | 3,330 | 82th pct | 75th pct |
| Net worth ratio | 18.14% | 78th pct | 67th pct |
| Return on average assets | 2.80% | 98th pct | 98th pct |
| Net interest margin | 3.88% | 51th pct | 64th pct |
| Cost of funds | 1.01% | 59th pct | 67th pct |
| Loan-to-share | 39.82% | 21th pct | 34th pct |
| Delinquency 60+ days | 0.33% | 38th pct | 46th pct |
| Net charge-off ratio | -0.08% | 11th pct | 10th pct |
| Loan growth YoY | -9.14% | 9th pct | 8th pct |
| Share growth YoY | 6.88% | 85th pct | 79th pct |
| Efficiency ratio | 35.71% | 1th pct | 0th pct |
structural peer set hash: 653218ad0e69f5a94a8b763227f3be7c… (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.