LEATHERSTOCKING REGION
Charter #22625 · COOPERSTOWN, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,054 sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 1.68% sits at the 79th percentile of structural peers — worth a closer look.
- Efficiency ratio of 65.81% ranks in the 25th 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 | LEATHERSTOCKING REGION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $107.53M | 6th pct | 18th pct |
| Members | 6,054 | 7th pct | 7th pct |
| Net worth ratio | 11.68% | 53th pct | 52th pct |
| Return on average assets | 1.11% | 74th pct | 66th pct |
| Net interest margin | 3.87% | 65th pct | 56th pct |
| Cost of funds | 1.68% | 76th pct | 79th pct |
| Loan-to-share | 66.14% | 38th pct | 49th pct |
| Delinquency 60+ days | 0.75% | 61th pct | 72th pct |
| Net charge-off ratio | 0.62% | 74th pct | 72th pct |
| Loan growth YoY | -1.69% | 28th pct | 23th pct |
| Share growth YoY | 9.15% | 95th pct | 95th pct |
| Efficiency ratio | 65.81% | 17th pct | 25th pct |
structural peer set hash: aacaf75dd08b29ba4f26a242f5b20c08… (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.