NEIGHBORHOOD TRUST
Charter #24589 · New York, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 27.41% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -1.73% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 4.83% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.49% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 112.67% sits at the 95th 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 | NEIGHBORHOOD TRUST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $20.32M | 36th pct | 21th pct |
| Members | 2,911 | 73th pct | 59th pct |
| Net worth ratio | 27.41% | 97th pct | 85th pct |
| Return on average assets | -1.73% | 4th pct | 3th pct |
| Net interest margin | 4.83% | 88th pct | 80th pct |
| Cost of funds | 0.49% | 32th pct | 13th pct |
| Loan-to-share | 115.87% | 100th pct | 95th pct |
| Delinquency 60+ days | 1.29% | 74th pct | 67th pct |
| Net charge-off ratio | 0.22% | 57th pct | 67th pct |
| Loan growth YoY | 6.00% | 94th pct | 85th pct |
| Share growth YoY | 3.11% | 57th pct | 62th pct |
| Efficiency ratio | 112.67% | 95th pct | 95th pct |
structural peer set hash: 95d063a87a21b0030dfd1756483c9480… (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.