AMHERST
Charter #5439 · AMHERST, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 10.26% sits at the 23rd percentile of structural peers — worth a closer look.
- Return on average assets of 1.25% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.14% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.02% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 70.93% ranks in the 16th 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 | AMHERST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $42.48M | 87th pct | 52th pct |
| Members | 3,875 | 89th pct | 59th pct |
| Net worth ratio | 10.26% | 20th pct | 23th pct |
| Return on average assets | 1.25% | 78th pct | 89th pct |
| Net interest margin | 3.70% | 43th pct | 43th pct |
| Cost of funds | 0.45% | 29th pct | 33th pct |
| Loan-to-share | 56.95% | 50th pct | 64th pct |
| Delinquency 60+ days | 0.14% | 25th pct | 8th pct |
| Net charge-off ratio | 0.02% | 38th pct | 20th pct |
| Loan growth YoY | 6.52% | 95th pct | 97th pct |
| Share growth YoY | 4.63% | 71th pct | 77th pct |
| Efficiency ratio | 70.93% | 28th pct | 16th pct |
structural peer set hash: 97a849d74d800e907456b90c720b8bb6… (reproducible)
Closest structural peers
This is the free public view
Claim AMHERST
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.