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Charter #9486 · Troy, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 2.04% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.48% sits at the 79th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 5th percentile but its structural peers at the 41st — a 36-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 | NEXT STEP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $107.07M | 5th pct | 41th pct |
| Members | 4,313 | 2th pct | 38th pct |
| Net worth ratio | 9.89% | 27th pct | 26th pct |
| Return on average assets | 0.46% | 33th pct | 30th pct |
| Net interest margin | 2.85% | 9th pct | 31th pct |
| Cost of funds | 0.78% | 28th pct | 34th pct |
| Loan-to-share | 35.04% | 3th pct | 23th pct |
| Delinquency 60+ days | 2.04% | 95th pct | 97th pct |
| Net charge-off ratio | 0.48% | 62th pct | 79th pct |
| Loan growth YoY | -0.30% | 44th pct | 59th pct |
| Share growth YoY | 1.61% | 23th pct | 34th pct |
| Efficiency ratio | 80.37% | 57th pct | 56th pct |
structural peer set hash: 0a43592533c436ee9d971fb0f75377a4… (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.