STEUBEN CITIZENS
Charter #6225 · BATH, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.51% sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 3.17% sits at the 25th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.18% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.03% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 65th percentile but its structural peers at the 31st — a 34-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 | STEUBEN CITIZENS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $35.82M | 74th pct | 41th pct |
| Members | 2,575 | 65th pct | 31th pct |
| Net worth ratio | 12.22% | 38th pct | 52th pct |
| Return on average assets | 0.51% | 42th pct | 20th pct |
| Net interest margin | 3.17% | 21th pct | 25th pct |
| Cost of funds | 0.49% | 32th pct | 49th pct |
| Loan-to-share | 30.11% | 10th pct | 18th pct |
| Delinquency 60+ days | 0.18% | 29th pct | 20th pct |
| Net charge-off ratio | 0.03% | 39th pct | 25th pct |
| Loan growth YoY | 4.88% | 92th pct | 95th pct |
| Share growth YoY | 1.60% | 40th pct | 27th pct |
| Efficiency ratio | 73.01% | 32th pct | 34th pct |
structural peer set hash: 340f043cbb11f2bf9c17a44a178fc6f0… (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.