WESTERN DIVISION
Charter #24731 · WILLIAMSVILLE, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 11,515 sits at the 18th percentile of structural peers — worth a closer look.
- Net worth ratio of 14.22% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.04% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.10% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.06% ranks in the 3rd 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 | WESTERN DIVISION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $225.57M | 58th pct | 38th pct |
| Members | 11,515 | 41th pct | 18th pct |
| Net worth ratio | 14.22% | 81th pct | 77th pct |
| Return on average assets | 2.04% | 97th pct | 98th pct |
| Net interest margin | 3.81% | 61th pct | 36th pct |
| Cost of funds | 1.55% | 70th pct | 62th pct |
| Loan-to-share | 90.88% | 90th pct | 80th pct |
| Delinquency 60+ days | 0.10% | 6th pct | 2th pct |
| Net charge-off ratio | 0.06% | 13th pct | 3th pct |
| Loan growth YoY | 4.32% | 83th pct | 82th pct |
| Share growth YoY | 7.43% | 89th pct | 95th pct |
| Efficiency ratio | 53.42% | 4th pct | 0th pct |
structural peer set hash: 593e9ae22e0d1db52cda4635c86b6eda… (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.