MUNICIPAL
Charter #60153 · NEW YORK, NY · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 640,990 ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.66% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.14% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.98% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.29% sits at the 98th 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 | MUNICIPAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.10B | 82th pct | 69th pct |
| Members | 640,990 | 96th pct | 98th pct |
| Net worth ratio | 11.93% | 70th pct | 74th pct |
| Return on average assets | 1.66% | 95th pct | 93th pct |
| Net interest margin | 4.14% | 92th pct | 93th pct |
| Cost of funds | 0.98% | 20th pct | 20th pct |
| Loan-to-share | 72.85% | 19th pct | 33th pct |
| Delinquency 60+ days | 1.29% | 89th pct | 98th pct |
| Net charge-off ratio | 1.13% | 89th pct | 90th pct |
| Loan growth YoY | 8.11% | 93th pct | 95th pct |
| Share growth YoY | 9.57% | 91th pct | 92th pct |
| Efficiency ratio | 62.42% | 17th pct | 15th pct |
structural peer set hash: 108621429105807c3eaece5059534661… (reproducible)
Closest structural peers
This is the free public view
Claim MUNICIPAL
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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.