SOLUTIONS
Charter #7846 · ELMIRA, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,386 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.18% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.07% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.58% sits at the 77th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 33rd percentile but its structural peers at the 56th — a 23-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 | SOLUTIONS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $43.01M | 88th pct | 72th pct |
| Members | 3,386 | 83th pct | 77th pct |
| Net worth ratio | 12.37% | 40th pct | 48th pct |
| Return on average assets | 1.00% | 68th pct | 66th pct |
| Net interest margin | 4.18% | 66th pct | 80th pct |
| Cost of funds | 0.84% | 49th pct | 48th pct |
| Loan-to-share | 47.89% | 33th pct | 56th pct |
| Delinquency 60+ days | 0.07% | 18th pct | 15th pct |
| Net charge-off ratio | 0.58% | 74th pct | 77th pct |
| Loan growth YoY | -0.61% | 65th pct | 69th pct |
| Share growth YoY | 4.33% | 69th pct | 66th pct |
| Efficiency ratio | 75.69% | 39th pct | 39th pct |
structural peer set hash: 63352d05bba27be369be1d8b4619953d… (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.