ADIRONDACK REGIONAL
Charter #5546 · TUPPER LAKE, NY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 7,001 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 9.42% sits at the 18th percentile of structural peers — worth a closer look.
- Return on average assets of 1.11% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.53% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.70% sits at the 87th 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 | ADIRONDACK REGIONAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $86.92M | 79th pct | 57th pct |
| Members | 7,001 | 79th pct | 80th pct |
| Net worth ratio | 9.42% | 14th pct | 18th pct |
| Return on average assets | 1.11% | 70th pct | 84th pct |
| Net interest margin | 3.60% | 45th pct | 56th pct |
| Cost of funds | 0.53% | 25th pct | 21th pct |
| Loan-to-share | 59.75% | 47th pct | 46th pct |
| Delinquency 60+ days | 0.82% | 64th pct | 62th pct |
| Net charge-off ratio | 0.70% | 81th pct | 87th pct |
| Loan growth YoY | -4.39% | 23th pct | 16th pct |
| Share growth YoY | 2.01% | 40th pct | 34th pct |
| Efficiency ratio | 73.55% | 33th pct | 25th pct |
structural peer set hash: fc6e6fd09e1d22617f126c06eca9b281… (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.