CROUSE
Charter #22972 · SYRACUSE, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.49% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 0.94% sits at the 77th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.04% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.02% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 55th percentile but its structural peers at the 77th — a 22-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 | CROUSE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $21.12M | 38th pct | 26th pct |
| Members | 2,028 | 47th pct | 34th pct |
| Net worth ratio | 9.49% | 14th pct | 8th pct |
| Return on average assets | 0.38% | 35th pct | 41th pct |
| Net interest margin | 3.33% | 27th pct | 30th pct |
| Cost of funds | 0.94% | 55th pct | 77th pct |
| Loan-to-share | 33.50% | 13th pct | 31th pct |
| Delinquency 60+ days | 0.04% | 14th pct | 18th pct |
| Net charge-off ratio | -0.02% | 18th pct | 15th pct |
| Loan growth YoY | -2.59% | 49th pct | 57th pct |
| Share growth YoY | 6.34% | 83th pct | 87th pct |
| Efficiency ratio | 87.61% | 68th pct | 61th pct |
structural peer set hash: 58842925db66ab9dec47e057522d1b6e… (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.