G.P.O.
Charter #22931 · NEW HARTFORD, NY · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- On Net worth ratio, the asset-size band puts this credit union at the 66th percentile but its structural peers at the 39th — a 26-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 | G.P.O. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $621.72M | 30th pct | 54th pct |
| Members | 43,222 | 54th pct | 61th pct |
| Net worth ratio | 11.51% | 66th pct | 39th pct |
| Return on average assets | 0.86% | 62th pct | 64th pct |
| Net interest margin | 3.37% | 39th pct | 44th pct |
| Cost of funds | 1.60% | 60th pct | 74th pct |
| Loan-to-share | 58.04% | 10th pct | 36th pct |
| Delinquency 60+ days | 0.44% | 34th pct | 36th pct |
| Net charge-off ratio | 0.38% | 47th pct | 36th pct |
| Loan growth YoY | 0.16% | 41th pct | 48th pct |
| Share growth YoY | 5.21% | 72th pct | 75th pct |
| Efficiency ratio | 77.73% | 48th pct | 54th pct |
structural peer set hash: 367513bdaa19716322c034bd716d193e… (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.