ONE CREDIT UNION OF NY
Charter #60716 · Cheektowaga, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.91% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.21% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.03% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 71.55% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 9th percentile but its structural peers at the 54th — a 46-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 | ONE CREDIT UNION OF NY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $111.82M | 9th pct | 54th pct |
| Members | 8,152 | 19th pct | 57th pct |
| Net worth ratio | 13.05% | 70th pct | 66th pct |
| Return on average assets | 1.14% | 76th pct | 74th pct |
| Net interest margin | 3.91% | 67th pct | 82th pct |
| Cost of funds | 0.51% | 20th pct | 31th pct |
| Loan-to-share | 40.95% | 5th pct | 25th pct |
| Delinquency 60+ days | 0.21% | 14th pct | 21th pct |
| Net charge-off ratio | 0.03% | 9th pct | 10th pct |
| Loan growth YoY | -5.13% | 6th pct | 11th pct |
| Share growth YoY | 4.52% | 65th pct | 59th pct |
| Efficiency ratio | 71.55% | 27th pct | 21th pct |
structural peer set hash: cd0d633090d18e39e986f104ebd8680a… (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.