SAINT LAWRENCE
Charter #9871 · Ogdensburg, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- On Cost of funds, the asset-size band puts this credit union at the 77th percentile but its structural peers at the 43rd — a 34-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 | SAINT LAWRENCE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $267.66M | 68th pct | 57th pct |
| Members | 13,338 | 50th pct | 52th pct |
| Net worth ratio | 11.40% | 49th pct | 51th pct |
| Return on average assets | 0.58% | 41th pct | 39th pct |
| Net interest margin | 3.44% | 37th pct | 46th pct |
| Cost of funds | 1.69% | 77th pct | 43th pct |
| Loan-to-share | 80.83% | 70th pct | 38th pct |
| Delinquency 60+ days | 0.73% | 60th pct | 57th pct |
| Net charge-off ratio | 0.10% | 19th pct | 41th pct |
| Loan growth YoY | 6.03% | 91th pct | 80th pct |
| Share growth YoY | 8.09% | 92th pct | 92th pct |
| Efficiency ratio | 85.32% | 73th pct | 69th pct |
structural peer set hash: 37d1fe3230c7e8439f88e7cf1604c11a… (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.