BUFFALO METROPOLITAN
Charter #2209 · BUFFALO, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 5.02% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.62% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.44% sits at the 97th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 29th percentile but its structural peers at the 13th — 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 | BUFFALO METROPOLITAN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $145.25M | 29th pct | 13th pct |
| Members | 17,293 | 67th pct | 69th pct |
| Net worth ratio | 12.23% | 60th pct | 61th pct |
| Return on average assets | 0.31% | 23th pct | 28th pct |
| Net interest margin | 5.02% | 97th pct | 95th pct |
| Cost of funds | 0.62% | 23th pct | 23th pct |
| Loan-to-share | 90.99% | 90th pct | 85th pct |
| Delinquency 60+ days | 2.44% | 97th pct | 97th pct |
| Net charge-off ratio | 0.58% | 71th pct | 64th pct |
| Loan growth YoY | -0.77% | 38th pct | 28th pct |
| Share growth YoY | 2.56% | 36th pct | 37th pct |
| Efficiency ratio | 86.02% | 75th pct | 72th pct |
structural peer set hash: 9d13c4c853121bee8c667bafb3d8a240… (reproducible)
Closest structural peers
This is the free public view
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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.