TRI-COUNTY
Charter #21875 · Delevan, NY · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.80% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.18% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.29% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 59th percentile but its structural peers at the 25th — a 34-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 | TRI-COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.96M | 59th pct | 25th pct |
| Members | 712 | 62th pct | 39th pct |
| Net worth ratio | 21.25% | 63th pct | 67th pct |
| Return on average assets | 1.44% | 82th pct | 74th pct |
| Net interest margin | 4.80% | 73th pct | 77th pct |
| Cost of funds | 0.18% | 27th pct | 11th pct |
| Loan-to-share | 81.27% | 79th pct | 62th pct |
| Delinquency 60+ days | 0.91% | 52th pct | 64th pct |
| Net charge-off ratio | -0.29% | 9th pct | 7th pct |
| Loan growth YoY | -4.04% | 56th pct | 34th pct |
| Share growth YoY | 3.07% | 71th pct | 64th pct |
| Efficiency ratio | 69.62% | 25th pct | 41th pct |
structural peer set hash: f4b2618cfbf7277eed67633bc2ed1174… (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.