LINTON
Charter #9676 · TONAWANDA, NY · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.10% sits at the 16th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.01% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 88th percentile but its structural peers at the 46th — a 42-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 | LINTON | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.21M | 88th pct | 46th pct |
| Members | 810 | 71th pct | 41th pct |
| Net worth ratio | 20.72% | 61th pct | 67th pct |
| Return on average assets | 0.78% | 64th pct | 54th pct |
| Net interest margin | 3.10% | 23th pct | 16th pct |
| Cost of funds | 1.35% | 75th pct | 66th pct |
| Loan-to-share | 55.81% | 47th pct | 44th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -0.01% | 20th pct | 11th pct |
| Loan growth YoY | -12.70% | 20th pct | 8th pct |
| Share growth YoY | 14.09% | 97th pct | 95th pct |
| Efficiency ratio | 75.01% | 31th pct | 48th pct |
structural peer set hash: 487ea342c8b4bda23f7da4325973060f… (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.