STEWART'S
Charter #24036 · Saratoga Spring, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.13% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 1.48% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.69% sits at the 79th percentile of structural peers — worth a closer look.
- Efficiency ratio of 64.74% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 93rd percentile but its structural peers at the 72nd — a 21-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 | STEWART'S | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $44.72M | 92th pct | 74th pct |
| Members | 4,408 | 93th pct | 72th pct |
| Net worth ratio | 9.13% | 12th pct | 21th pct |
| Return on average assets | 0.79% | 57th pct | 52th pct |
| Net interest margin | 3.45% | 32th pct | 26th pct |
| Cost of funds | 1.48% | 77th pct | 89th pct |
| Loan-to-share | 45.58% | 29th pct | 41th pct |
| Delinquency 60+ days | 0.66% | 53th pct | 52th pct |
| Net charge-off ratio | 0.69% | 78th pct | 79th pct |
| Loan growth YoY | 2.74% | 85th pct | 87th pct |
| Share growth YoY | -4.49% | 4th pct | 5th pct |
| Efficiency ratio | 64.74% | 16th pct | 11th pct |
structural peer set hash: 6ff842c95e2aeb6be918cab9dcf8c3a7… (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.