BUFFALO CONRAIL
Charter #845 · Cheektowaga, NY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,563 sits at the 20th percentile of structural peers — worth a closer look.
- Net worth ratio of 22.31% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.23% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Loan growth YoY, the asset-size band puts this credit union at the 39th percentile but its structural peers at the 16th — 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 | BUFFALO CONRAIL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $59.00M | 23th pct | 38th pct |
| Members | 2,563 | 5th pct | 20th pct |
| Net worth ratio | 22.31% | 95th pct | 80th pct |
| Return on average assets | 0.68% | 47th pct | 36th pct |
| Net interest margin | 3.35% | 31th pct | 33th pct |
| Cost of funds | 1.28% | 70th pct | 54th pct |
| Loan-to-share | 96.37% | 98th pct | 84th pct |
| Delinquency 60+ days | 0.23% | 22th pct | 25th pct |
| Net charge-off ratio | 0.10% | 33th pct | 36th pct |
| Loan growth YoY | -2.49% | 39th pct | 16th pct |
| Share growth YoY | 8.44% | 93th pct | 89th pct |
| Efficiency ratio | 77.26% | 43th pct | 49th pct |
structural peer set hash: cded46f617d3a9b53d2ab37be3376680… (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.