ACADEMIC
Charter #23425 · BRIARCLIFF MANO, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.08% sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 2.59% sits at the 10th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.74% sits at the 77th percentile of structural peers — worth a closer look.
- Efficiency ratio of 102.86% sits at the 89th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 75th percentile but its structural peers at the 33rd — a 42-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 | ACADEMIC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $36.14M | 75th pct | 33th pct |
| Members | 2,358 | 59th pct | 30th pct |
| Net worth ratio | 10.08% | 19th pct | 28th pct |
| Return on average assets | -0.08% | 16th pct | 20th pct |
| Net interest margin | 2.59% | 7th pct | 10th pct |
| Cost of funds | 1.11% | 63th pct | 70th pct |
| Loan-to-share | 34.27% | 14th pct | 41th pct |
| Delinquency 60+ days | 1.74% | 82th pct | 77th pct |
| Net charge-off ratio | 0.32% | 63th pct | 51th pct |
| Loan growth YoY | -5.53% | 27th pct | 33th pct |
| Share growth YoY | 6.32% | 83th pct | 89th pct |
| Efficiency ratio | 102.86% | 90th pct | 89th pct |
structural peer set hash: 541dcbc08cb5c43b23f150ce74a71341… (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.