NORTH TOWNS
Charter #9812 · Clarence, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.61% sits at the 21st percentile of structural peers — worth a closer look.
- Return on average assets of 1.53% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.36% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 1.77% sits at the 89th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.28% ranks in the 23rd 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 | NORTH TOWNS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $49.22M | 99th pct | 62th pct |
| Members | 3,034 | 76th pct | 44th pct |
| Net worth ratio | 9.61% | 15th pct | 21th pct |
| Return on average assets | 1.53% | 86th pct | 97th pct |
| Net interest margin | 3.36% | 28th pct | 21th pct |
| Cost of funds | 1.77% | 85th pct | 89th pct |
| Loan-to-share | 64.68% | 62th pct | 56th pct |
| Delinquency 60+ days | 0.28% | 34th pct | 23th pct |
| Net charge-off ratio | -0.02% | 18th pct | 13th pct |
| Loan growth YoY | -0.33% | 68th pct | 56th pct |
| Share growth YoY | -0.41% | 23th pct | 23th pct |
| Efficiency ratio | 59.60% | 11th pct | 0th pct |
structural peer set hash: f2ef7ae94b4d26c2d79f925daf6993d4… (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.