N C P D
Charter #3850 · Plainview, NY · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.24% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 1.61% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 2.53% sits at the 90th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.09% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 61.22% ranks in the 25th 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 | N C P D | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $915.99M | 87th pct | 61th pct |
| Members | 16,398 | 1th pct | 30th pct |
| Net worth ratio | 16.24% | 96th pct | 90th pct |
| Return on average assets | 0.67% | 54th pct | 43th pct |
| Net interest margin | 1.61% | 0th pct | 5th pct |
| Cost of funds | 2.53% | 93th pct | 90th pct |
| Loan-to-share | 44.12% | 4th pct | 15th pct |
| Delinquency 60+ days | 0.09% | 1th pct | 13th pct |
| Net charge-off ratio | 0.10% | 11th pct | 43th pct |
| Loan growth YoY | -0.73% | 30th pct | 33th pct |
| Share growth YoY | 1.91% | 21th pct | 33th pct |
| Efficiency ratio | 61.22% | 9th pct | 25th pct |
structural peer set hash: b98b34dd34f500c126c4bc1deafec7e3… (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.