Lewiston Porter School Employees
Youngstown, NY · Charter 10728 · Peer group: credit unions under $1B in assets in NY (n=109)
NCUA · 1 branch
Q1 2025
$14.4MAssets
$6.7MLoans
$12.7MShares
$1.7MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 49% of credit unions under $1B in assets in NY (rank 56 of 109).
- Widest gap: net interest margin trails 92% of credit unions under $1B in assets in NY (rank 100 of 109).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.44%
Rank 78 of 109
Net Interest Margin
2.44%
Rank 100 of 109
Efficiency Ratio
79.57%
Rank 66 of 109
Equity / Assets
11.51%
Rank 56 of 109
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.44% | 0.36% | 0.84% | 1.30% | Beats 28% | 78 / 109 | |
| Return on Equity | 3.86% | 3.10% | 6.81% | 10.90% | Beats 28% | 79 / 109 | |
| Net Interest Margin | 2.44% | 3.06% | 3.52% | 4.06% | Beats 8% | 100 / 109 | |
| Efficiency Ratio | 79.57% | 63.56% | 76.40% | 85.71% | Beats 40% | 66 / 109 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.74% | 0.19% | 0.56% | 1.08% | Beats 43% | 63 / 109 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.51% | 10.08% | 11.63% | 14.25% | Beats 49% | 56 / 109 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.51% | 10.08% | 11.63% | 14.25% | Beats 49% | 56 / 109 | |
| Liquidity & Funding |
| Loans / Deposits | 52.24% | 44.09% | 62.26% | 78.49% | 35th pctl | 71 / 109 | |
| Loans / Assets | 46.21% | 37.69% | 54.60% | 68.73% | 37th pctl | 69 / 109 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |