OLEAN TEACHERS' AND POSTAL
Charter #7656 · OLEAN, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,707 sits at the 16th percentile of structural peers — worth a closer look.
- Net interest margin of 3.34% sits at the 25th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 60.09% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Share growth YoY, the asset-size band puts this credit union at the 71st percentile but its structural peers at the 54th — a 17-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 | OLEAN TEACHERS' AND POSTAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $27.13M | 54th pct | 44th pct |
| Members | 1,707 | 33th pct | 16th pct |
| Net worth ratio | 10.92% | 26th pct | 36th pct |
| Return on average assets | 1.20% | 76th pct | 67th pct |
| Net interest margin | 3.34% | 28th pct | 25th pct |
| Cost of funds | 0.61% | 39th pct | 52th pct |
| Loan-to-share | 41.91% | 23th pct | 38th pct |
| Delinquency 60+ days | 0.62% | 52th pct | 52th pct |
| Net charge-off ratio | 0.00% | 23th pct | 18th pct |
| Loan growth YoY | 8.82% | 98th pct | 98th pct |
| Share growth YoY | 4.55% | 71th pct | 54th pct |
| Efficiency ratio | 60.09% | 12th pct | 10th pct |
structural peer set hash: b07e36d67c2c815a686b53dcc83dfcba… (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.