MONEY
Charter #22566 · Syracuse, NY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.35% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 13th percentile but its structural peers at the 36th — a 24-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 | MONEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $52.45M | 7th pct | 30th pct |
| Members | 3,189 | 13th pct | 36th pct |
| Net worth ratio | 13.35% | 56th pct | 77th pct |
| Return on average assets | 0.37% | 33th pct | 38th pct |
| Net interest margin | 2.89% | 13th pct | 30th pct |
| Cost of funds | 0.70% | 35th pct | 38th pct |
| Loan-to-share | 46.30% | 24th pct | 39th pct |
| Delinquency 60+ days | 0.29% | 28th pct | 36th pct |
| Net charge-off ratio | 0.04% | 24th pct | 36th pct |
| Loan growth YoY | -3.94% | 27th pct | 31th pct |
| Share growth YoY | 1.05% | 29th pct | 28th pct |
| Efficiency ratio | 88.70% | 76th pct | 72th pct |
structural peer set hash: 245d47bbe36af51b83078565bd1bb363… (reproducible)
Closest structural peers
This is the free public view
Claim MONEY
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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.