C C S E
Charter #22754 · SALAMANCA, NY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 10.63% sits at the 25th percentile of structural peers — worth a closer look.
- Return on average assets of 1.52% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.12% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.17% sits at the 92nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 65.22% ranks in the 16th 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 | C C S E | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $62.23M | 30th pct | 43th pct |
| Members | 5,832 | 62th pct | 74th pct |
| Net worth ratio | 10.63% | 27th pct | 25th pct |
| Return on average assets | 1.52% | 85th pct | 93th pct |
| Net interest margin | 3.47% | 37th pct | 49th pct |
| Cost of funds | 0.81% | 42th pct | 48th pct |
| Loan-to-share | 49.67% | 29th pct | 51th pct |
| Delinquency 60+ days | 0.12% | 13th pct | 16th pct |
| Net charge-off ratio | 1.17% | 92th pct | 92th pct |
| Loan growth YoY | -1.18% | 54th pct | 48th pct |
| Share growth YoY | 0.23% | 20th pct | 15th pct |
| Efficiency ratio | 65.22% | 18th pct | 16th pct |
structural peer set hash: 4e60a9b9e2147e4336e4c9f2d3ab1734… (reproducible)
Closest structural peers
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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.