SALT CITY
Charter #8512 · Solvay, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.96% sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 3.10% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 1.62% sits at the 84th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.22% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 12th percentile but its structural peers at the 44th — 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 | SALT CITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $117.01M | 12th pct | 44th pct |
| Members | 7,032 | 12th pct | 36th pct |
| Net worth ratio | 8.96% | 13th pct | 21th pct |
| Return on average assets | 0.38% | 28th pct | 36th pct |
| Net interest margin | 3.10% | 18th pct | 7th pct |
| Cost of funds | 1.62% | 73th pct | 84th pct |
| Loan-to-share | 65.76% | 37th pct | 41th pct |
| Delinquency 60+ days | 0.52% | 43th pct | 46th pct |
| Net charge-off ratio | 0.22% | 34th pct | 23th pct |
| Loan growth YoY | 1.30% | 60th pct | 69th pct |
| Share growth YoY | 11.40% | 98th pct | 95th pct |
| Efficiency ratio | 88.36% | 81th pct | 74th pct |
structural peer set hash: 23e070f791e7efd2c69ade682edb82c4… (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.