SOUTHERN CHAUTAUQUA
Charter #9107 · Lakewood, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 21,346 ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.56% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.74% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.75% sits at the 92nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.89% sits at the 80th percentile of structural peers — worth a closer look.
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 | SOUTHERN CHAUTAUQUA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $166.25M | 38th pct | 43th pct |
| Members | 21,346 | 81th pct | 82th pct |
| Net worth ratio | 13.60% | 76th pct | 69th pct |
| Return on average assets | 2.56% | 99th pct | 97th pct |
| Net interest margin | 5.74% | 99th pct | 98th pct |
| Cost of funds | 1.26% | 53th pct | 46th pct |
| Loan-to-share | 82.90% | 75th pct | 61th pct |
| Delinquency 60+ days | 1.75% | 93th pct | 92th pct |
| Net charge-off ratio | 0.89% | 86th pct | 80th pct |
| Loan growth YoY | -2.57% | 20th pct | 8th pct |
| Share growth YoY | 5.15% | 72th pct | 59th pct |
| Efficiency ratio | 71.66% | 28th pct | 34th pct |
structural peer set hash: 2459b6b9845fb18ff3436b8c0258dae2… (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.