CONCORD
Charter #7504 · Brooklyn, NY · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 11.74% sits at the 23rd percentile of structural peers — worth a closer look.
- Return on average assets of -0.93% sits at the 10th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -1.43% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 121.88% sits at the 89th 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 | CONCORD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.99M | 79th pct | 64th pct |
| Members | 439 | 38th pct | 44th pct |
| Net worth ratio | 11.74% | 21th pct | 23th pct |
| Return on average assets | -0.93% | 17th pct | 10th pct |
| Net interest margin | 3.38% | 29th pct | 52th pct |
| Cost of funds | 0.35% | 42th pct | 54th pct |
| Loan-to-share | 8.20% | 5th pct | 16th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -1.43% | 2th pct | 7th pct |
| Loan growth YoY | -25.55% | 3th pct | 11th pct |
| Share growth YoY | -5.29% | 16th pct | 18th pct |
| Efficiency ratio | 121.88% | 88th pct | 89th pct |
structural peer set hash: f1f603fa61ed98e4eb3b5c1b928cdc46… (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.