TONAWANDA COMMUNITY
Charter #22464 · Buffalo, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.32% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.96% sits at the 25th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.18% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 61.63% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 100th percentile but its structural peers at the 56th — a 44-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 | TONAWANDA COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $49.60M | 100th pct | 56th pct |
| Members | 5,280 | 97th pct | 72th pct |
| Net worth ratio | 10.70% | 24th pct | 36th pct |
| Return on average assets | 1.32% | 80th pct | 82th pct |
| Net interest margin | 2.96% | 15th pct | 25th pct |
| Cost of funds | 0.67% | 42th pct | 46th pct |
| Loan-to-share | 32.32% | 12th pct | 36th pct |
| Delinquency 60+ days | 0.18% | 28th pct | 21th pct |
| Net charge-off ratio | 0.10% | 46th pct | 33th pct |
| Loan growth YoY | 2.75% | 86th pct | 82th pct |
| Share growth YoY | 6.68% | 85th pct | 92th pct |
| Efficiency ratio | 61.63% | 13th pct | 10th pct |
structural peer set hash: 4397abb60873aafe44d237919e44970e… (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.