ACCESS
Charter #5579 · CLINTON, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 23,162 ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 9.15% sits at the 18th percentile of structural peers — worth a closer look.
- Return on average assets of 1.38% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.01% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 65.87% ranks in the 18th 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 | ACCESS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $316.95M | 76th pct | 74th pct |
| Members | 23,162 | 85th pct | 82th pct |
| Net worth ratio | 9.15% | 16th pct | 18th pct |
| Return on average assets | 1.38% | 85th pct | 82th pct |
| Net interest margin | 3.24% | 25th pct | 38th pct |
| Cost of funds | 1.18% | 48th pct | 61th pct |
| Loan-to-share | 53.28% | 15th pct | 25th pct |
| Delinquency 60+ days | 0.65% | 54th pct | 67th pct |
| Net charge-off ratio | -0.01% | 3th pct | 7th pct |
| Loan growth YoY | -0.31% | 44th pct | 46th pct |
| Share growth YoY | 5.37% | 75th pct | 74th pct |
| Efficiency ratio | 65.87% | 17th pct | 18th pct |
structural peer set hash: f698686952d67f3d5ff217bdeed315c7… (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.