QSIDE
Charter #3947 · Queens Village, NY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.24% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 6.17% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 2.20% sits at the 95th percentile of structural peers — worth a closer look.
- Efficiency ratio of 67.32% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 78th percentile but its structural peers at the 48th — a 30-point gap showing why the peer definition matters.
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 | QSIDE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $53.72M | 9th pct | 23th pct |
| Members | 6,843 | 78th pct | 48th pct |
| Net worth ratio | 10.23% | 23th pct | 33th pct |
| Return on average assets | 1.24% | 76th pct | 84th pct |
| Net interest margin | 6.17% | 99th pct | 97th pct |
| Cost of funds | 0.61% | 29th pct | 30th pct |
| Loan-to-share | 68.12% | 63th pct | 74th pct |
| Delinquency 60+ days | 1.06% | 74th pct | 70th pct |
| Net charge-off ratio | 2.20% | 98th pct | 95th pct |
| Loan growth YoY | -3.05% | 34th pct | 15th pct |
| Share growth YoY | 4.14% | 66th pct | 69th pct |
| Efficiency ratio | 67.32% | 21th pct | 7th pct |
structural peer set hash: 7fd5e08b6c39eab8d16424160986ffd4… (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.