DIRECTORS CHOICE
Charter #68420 · ALBANY, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 739 sits at the 10th percentile of structural peers — worth a closer look.
- Return on average assets of 1.96% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.56% sits at the 92nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 3.25% sits at the 92nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.04% sits at the 90th 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 | DIRECTORS CHOICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $12.24M | 10th pct | 25th pct |
| Members | 739 | 1th pct | 10th pct |
| Net worth ratio | 22.75% | 91th pct | 70th pct |
| Return on average assets | 1.96% | 94th pct | 89th pct |
| Net interest margin | 3.35% | 28th pct | 39th pct |
| Cost of funds | 2.56% | 96th pct | 92th pct |
| Loan-to-share | 71.83% | 73th pct | 43th pct |
| Delinquency 60+ days | 3.25% | 94th pct | 92th pct |
| Net charge-off ratio | 1.04% | 86th pct | 90th pct |
| Loan growth YoY | -4.15% | 37th pct | 31th pct |
| Share growth YoY | 0.54% | 31th pct | 38th pct |
| Efficiency ratio | 33.93% | 1th pct | 2th pct |
structural peer set hash: 7b9d961d44d7df449261617460d68a5c… (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.