CADETS
Charter #6930 · ELMA, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,414 sits at the 23rd percentile of structural peers — worth a closer look.
- Net worth ratio of 8.49% sits at the 11th percentile of structural peers — worth a closer look.
- Return on average assets of -0.62% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 2.00% sits at the 92nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.47% sits at the 77th 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 | CADETS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $17.77M | 30th pct | 23th pct |
| Members | 1,414 | 22th pct | 23th pct |
| Net worth ratio | 8.49% | 8th pct | 11th pct |
| Return on average assets | -0.62% | 10th pct | 8th pct |
| Net interest margin | 3.53% | 35th pct | 28th pct |
| Cost of funds | 2.00% | 90th pct | 92th pct |
| Loan-to-share | 62.77% | 59th pct | 54th pct |
| Delinquency 60+ days | 1.33% | 75th pct | 67th pct |
| Net charge-off ratio | 0.47% | 70th pct | 77th pct |
| Loan growth YoY | -4.57% | 33th pct | 23th pct |
| Share growth YoY | -2.47% | 11th pct | 18th pct |
| Efficiency ratio | 98.44% | 87th pct | 79th pct |
structural peer set hash: 11600afbaf3055c4573848ced1565b63… (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.