ALTERNATIVES
Charter #23283 · Ithaca, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -1.19% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 4.32% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.72% sits at the 95th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 2.68% sits at the 95th percentile of structural peers — worth a closer look.
- Efficiency ratio of 93.71% sits at the 75th 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 | ALTERNATIVES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $162.01M | 36th pct | 28th pct |
| Members | 12,263 | 45th pct | 59th pct |
| Net worth ratio | 9.76% | 25th pct | 44th pct |
| Return on average assets | -1.19% | 1th pct | 5th pct |
| Net interest margin | 4.32% | 85th pct | 95th pct |
| Cost of funds | 0.83% | 30th pct | 28th pct |
| Loan-to-share | 63.92% | 34th pct | 38th pct |
| Delinquency 60+ days | 3.72% | 99th pct | 95th pct |
| Net charge-off ratio | 2.68% | 99th pct | 95th pct |
| Loan growth YoY | 4.72% | 85th pct | 92th pct |
| Share growth YoY | -2.12% | 3th pct | 2th pct |
| Efficiency ratio | 93.71% | 92th pct | 75th pct |
structural peer set hash: 8fb789b70873d7217d9eb32a17c310b5… (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.