TONAWANDA VALLEY
Charter #22167 · Batavia, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.24% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.22% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.17% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.08% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 70.32% ranks in the 21st 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 | TONAWANDA VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $167.02M | 38th pct | 36th pct |
| Members | 12,996 | 49th pct | 46th pct |
| Net worth ratio | 10.91% | 42th pct | 46th pct |
| Return on average assets | 1.24% | 81th pct | 82th pct |
| Net interest margin | 3.72% | 54th pct | 59th pct |
| Cost of funds | 0.22% | 10th pct | 18th pct |
| Loan-to-share | 58.55% | 24th pct | 34th pct |
| Delinquency 60+ days | 0.17% | 11th pct | 8th pct |
| Net charge-off ratio | 0.08% | 16th pct | 11th pct |
| Loan growth YoY | -2.45% | 21th pct | 30th pct |
| Share growth YoY | 5.72% | 78th pct | 80th pct |
| Efficiency ratio | 70.32% | 25th pct | 21th pct |
structural peer set hash: 6caeb608977d0da5c7a60916865dcf77… (reproducible)
Closest structural peers
This is the free public view
Claim TONAWANDA VALLEY
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.