KENMORE N. Y. TEACHERS
Charter #858 · Buffalo, NY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.17% sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 2.26% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 1.60% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.19% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 24th percentile but its structural peers at the 48th — 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 | KENMORE N. Y. TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $69.59M | 46th pct | 41th pct |
| Members | 3,780 | 24th pct | 48th pct |
| Net worth ratio | 9.17% | 12th pct | 13th pct |
| Return on average assets | 0.43% | 34th pct | 31th pct |
| Net interest margin | 2.26% | 3th pct | 7th pct |
| Cost of funds | 1.60% | 84th pct | 89th pct |
| Loan-to-share | 39.99% | 13th pct | 25th pct |
| Delinquency 60+ days | 0.78% | 60th pct | 61th pct |
| Net charge-off ratio | -0.19% | 3th pct | 2th pct |
| Loan growth YoY | -3.76% | 29th pct | 21th pct |
| Share growth YoY | 7.82% | 91th pct | 95th pct |
| Efficiency ratio | 83.80% | 62th pct | 61th pct |
structural peer set hash: 5c2856feb96a83d8982522833708dad3… (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.