SYRACUSE COOPERATIVE
Charter #23865 · Syracuse, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 7.76% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.91% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 5.69% sits at the 97th percentile of structural peers — worth a closer look.
- Efficiency ratio of 49.88% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
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 | SYRACUSE COOPERATIVE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $47.36M | 97th pct | 33th pct |
| Members | 3,685 | 87th pct | 48th pct |
| Net worth ratio | 13.12% | 46th pct | 59th pct |
| Return on average assets | 7.76% | 100th pct | 98th pct |
| Net interest margin | 4.91% | 89th pct | 92th pct |
| Cost of funds | 1.00% | 58th pct | 23th pct |
| Loan-to-share | 93.21% | 96th pct | 70th pct |
| Delinquency 60+ days | 5.69% | 98th pct | 97th pct |
| Net charge-off ratio | 0.11% | 48th pct | 56th pct |
| Loan growth YoY | 5.22% | 93th pct | 84th pct |
| Share growth YoY | 13.02% | 98th pct | 95th pct |
| Efficiency ratio | 49.88% | 3th pct | 7th pct |
structural peer set hash: 1f8f31b126c4949f0015a00f16bbefe4… (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.