LOCAL 804
Charter #23144 · Port Washington, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 31.10% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.90% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.62% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.58% sits at the 90th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.85% sits at the 79th percentile of structural peers — worth a closer look.
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 | LOCAL 804 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $21.71M | 40th pct | 30th pct |
| Members | 3,166 | 79th pct | 61th pct |
| Net worth ratio | 31.10% | 98th pct | 87th pct |
| Return on average assets | 1.90% | 93th pct | 92th pct |
| Net interest margin | 5.62% | 97th pct | 93th pct |
| Cost of funds | 0.57% | 36th pct | 36th pct |
| Loan-to-share | 90.29% | 94th pct | 72th pct |
| Delinquency 60+ days | 3.58% | 95th pct | 90th pct |
| Net charge-off ratio | 0.85% | 82th pct | 79th pct |
| Loan growth YoY | -4.74% | 32th pct | 20th pct |
| Share growth YoY | 3.35% | 60th pct | 69th pct |
| Efficiency ratio | 72.26% | 31th pct | 38th pct |
structural peer set hash: 80de99e0f24e6b522643c14f30f6e728… (reproducible)
Closest structural peers
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Claim LOCAL 804
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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.