FOURLEAF
Charter #4735 · Bethpage, NY · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 519,123 ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 9.07% sits at the 20th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.02% sits at the 97th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 26th percentile but its structural peers at the 57th — a 31-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 | FOURLEAF | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $14.37B | 97th pct | 95th pct |
| Members | 519,123 | 94th pct | 93th pct |
| Net worth ratio | 9.07% | 15th pct | 20th pct |
| Return on average assets | 0.62% | 41th pct | 43th pct |
| Net interest margin | 3.00% | 26th pct | 57th pct |
| Cost of funds | 2.24% | 74th pct | 54th pct |
| Loan-to-share | 86.70% | 50th pct | 36th pct |
| Delinquency 60+ days | 2.02% | 98th pct | 97th pct |
| Net charge-off ratio | 0.56% | 55th pct | 72th pct |
| Loan growth YoY | 3.18% | 68th pct | 75th pct |
| Share growth YoY | 3.40% | 36th pct | 36th pct |
| Efficiency ratio | 70.46% | 42th pct | 49th pct |
structural peer set hash: 3265749298820d9e2b6daf218f989f57… (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.