INNER LAKES
Charter #7717 · Westfield, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.21% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.61% sits at the 82nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 36th percentile but its structural peers at the 69th — a 33-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 | INNER LAKES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $162.05M | 36th pct | 69th pct |
| Members | 11,069 | 38th pct | 69th pct |
| Net worth ratio | 9.82% | 26th pct | 26th pct |
| Return on average assets | 0.82% | 58th pct | 52th pct |
| Net interest margin | 3.23% | 25th pct | 33th pct |
| Cost of funds | 1.21% | 49th pct | 79th pct |
| Loan-to-share | 35.44% | 3th pct | 20th pct |
| Delinquency 60+ days | 0.57% | 47th pct | 61th pct |
| Net charge-off ratio | 0.61% | 73th pct | 82th pct |
| Loan growth YoY | -0.46% | 42th pct | 56th pct |
| Share growth YoY | 3.35% | 48th pct | 54th pct |
| Efficiency ratio | 72.26% | 29th pct | 33th pct |
structural peer set hash: e1993ab4a506bd3ccbf737f4b0fb6d05… (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.