LOWER EAST SIDE PEOPLE'S
Charter #24232 · NEW YORK, NY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 8,683 ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 20.04% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 6.39% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.38% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.32% sits at the 97th 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 | LOWER EAST SIDE PEOPLE'S | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $90.34M | 84th pct | 52th pct |
| Members | 8,683 | 90th pct | 84th pct |
| Net worth ratio | 20.04% | 91th pct | 79th pct |
| Return on average assets | 0.52% | 40th pct | 30th pct |
| Net interest margin | 6.39% | 100th pct | 97th pct |
| Cost of funds | 0.38% | 17th pct | 10th pct |
| Loan-to-share | 84.00% | 88th pct | 54th pct |
| Delinquency 60+ days | 3.32% | 99th pct | 97th pct |
| Net charge-off ratio | 0.44% | 67th pct | 90th pct |
| Loan growth YoY | 3.10% | 85th pct | 79th pct |
| Share growth YoY | 6.88% | 86th pct | 82th pct |
| Efficiency ratio | 91.85% | 85th pct | 85th pct |
structural peer set hash: 7dced987a506e49bf7b0959367b26b2e… (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.