WILLIAMSVILLE
Charter #8618 · Amherst, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.62% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 3.02% sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 0.06% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.04% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 16th 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 | WILLIAMSVILLE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $10.87M | 4th pct | 5th pct |
| Members | 1,852 | 40th pct | 52th pct |
| Net worth ratio | 12.18% | 38th pct | 62th pct |
| Return on average assets | -0.62% | 10th pct | 5th pct |
| Net interest margin | 3.02% | 17th pct | 16th pct |
| Cost of funds | 0.06% | 5th pct | 3th pct |
| Loan-to-share | 54.19% | 45th pct | 49th pct |
| Delinquency 60+ days | 2.04% | 85th pct | 87th pct |
| Net charge-off ratio | 0.00% | 23th pct | 16th pct |
| Loan growth YoY | -9.54% | 8th pct | 7th pct |
| Share growth YoY | 1.52% | 39th pct | 43th pct |
| Efficiency ratio | 120.38% | 97th pct | 97th pct |
structural peer set hash: 0f1976c85e24e5974094c20562420ce0… (reproducible)
Closest structural peers
This is the free public view
Claim WILLIAMSVILLE
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.