RADIUS
Charter #24715 · Kenmore, NY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 7,550 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 15.40% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.13% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.48% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.13% sits at the 77th 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 | RADIUS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $87.94M | 80th pct | 69th pct |
| Members | 7,550 | 84th pct | 80th pct |
| Net worth ratio | 15.40% | 73th pct | 84th pct |
| Return on average assets | 1.02% | 67th pct | 69th pct |
| Net interest margin | 4.13% | 73th pct | 79th pct |
| Cost of funds | 0.48% | 22th pct | 21th pct |
| Loan-to-share | 67.29% | 62th pct | 54th pct |
| Delinquency 60+ days | 1.13% | 76th pct | 77th pct |
| Net charge-off ratio | 0.39% | 63th pct | 82th pct |
| Loan growth YoY | -4.45% | 23th pct | 7th pct |
| Share growth YoY | 2.39% | 44th pct | 51th pct |
| Efficiency ratio | 79.86% | 50th pct | 41th pct |
structural peer set hash: cfd88b41e21cecbb851aff5779ed9c7f… (reproducible)
Closest structural peers
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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.