GOWANDA AREA
Charter #818 · Gowanda, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.76% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 43.98% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
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 | GOWANDA AREA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $32.14M | 66th pct | 75th pct |
| Members | 1,845 | 40th pct | 38th pct |
| Net worth ratio | 16.19% | 67th pct | 61th pct |
| Return on average assets | 1.76% | 91th pct | 85th pct |
| Net interest margin | 3.77% | 46th pct | 51th pct |
| Cost of funds | 0.33% | 22th pct | 26th pct |
| Loan-to-share | 45.25% | 29th pct | 43th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -0.00% | 22th pct | 23th pct |
| Loan growth YoY | -8.67% | 10th pct | 13th pct |
| Share growth YoY | 3.53% | 62th pct | 51th pct |
| Efficiency ratio | 43.98% | 2th pct | 3th pct |
structural peer set hash: 387f612cff87f195743a04d8b72e3af2… (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.