CVPH EMPLOYEES
Charter #22195 · PLATTSBURGH, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 10.79% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 0.08% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 1st percentile but its structural peers at the 48th — a 46-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 | CVPH EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $10.36M | 1th pct | 48th pct |
| Members | 1,300 | 17th pct | 56th pct |
| Net worth ratio | 10.79% | 25th pct | 20th pct |
| Return on average assets | 0.21% | 27th pct | 39th pct |
| Net interest margin | 3.49% | 34th pct | 34th pct |
| Cost of funds | 0.08% | 6th pct | 8th pct |
| Loan-to-share | 77.16% | 81th pct | 75th pct |
| Delinquency 60+ days | 0.06% | 16th pct | 38th pct |
| Net charge-off ratio | 0.03% | 40th pct | 56th pct |
| Loan growth YoY | 1.64% | 80th pct | 77th pct |
| Share growth YoY | -0.40% | 23th pct | 34th pct |
| Efficiency ratio | 91.91% | 77th pct | 64th pct |
structural peer set hash: 6e5ad05226d716dc8e7fca052f896750… (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.