SIDNEY
Charter #6011 · Sidney, NY · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.34% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.11% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 67.08% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 19th percentile but its structural peers at the 57th — a 39-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 | SIDNEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.28B | 19th pct | 57th pct |
| Members | 75,418 | 24th pct | 51th pct |
| Net worth ratio | 10.13% | 35th pct | 49th pct |
| Return on average assets | 1.34% | 87th pct | 92th pct |
| Net interest margin | 4.11% | 92th pct | 89th pct |
| Cost of funds | 1.90% | 55th pct | 61th pct |
| Loan-to-share | 87.52% | 54th pct | 48th pct |
| Delinquency 60+ days | 0.72% | 61th pct | 64th pct |
| Net charge-off ratio | 0.58% | 56th pct | 62th pct |
| Loan growth YoY | -0.98% | 15th pct | 5th pct |
| Share growth YoY | 8.62% | 90th pct | 76th pct |
| Efficiency ratio | 67.08% | 28th pct | 10th pct |
structural peer set hash: 21d8c23a03766836b9688b5350490a2d… (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.