THE FINEST
Charter #24862 · New York, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 12,316 ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 23.82% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 7.20% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.96% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 2.46% sits at the 98th 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 | THE FINEST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $35.78M | 74th pct | 31th pct |
| Members | 12,316 | 100th pct | 97th pct |
| Net worth ratio | 23.82% | 93th pct | 89th pct |
| Return on average assets | 1.10% | 72th pct | 52th pct |
| Net interest margin | 7.20% | 100th pct | 98th pct |
| Cost of funds | 2.17% | 92th pct | 66th pct |
| Loan-to-share | 99.61% | 98th pct | 74th pct |
| Delinquency 60+ days | 1.96% | 84th pct | 82th pct |
| Net charge-off ratio | 2.46% | 96th pct | 98th pct |
| Loan growth YoY | -9.39% | 9th pct | 3th pct |
| Share growth YoY | 6.82% | 85th pct | 80th pct |
| Efficiency ratio | 86.82% | 66th pct | 74th pct |
structural peer set hash: 8a7c844c70a0cb3c33289e908f767257… (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.