Stratton Air National Guard
Scotia, NY · Charter 10773 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$920KAssets
$435KLoans
$558KShares
$362KNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets (rank 132 of 1682).
- Widest gap: net interest margin trails 91% of credit unions under $1B in assets (rank 1531 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.52%
Rank 236 of 1,683
Net Interest Margin
2.83%
Rank 1,531 of 1,683
Efficiency Ratio
53.85%
Rank 100 of 1,682
Equity / Assets
39.35%
Rank 15 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.52% | 0.35% | 0.74% | 1.18% | Beats 86% | 236 / 1,683 | |
| Return on Equity | 3.87% | 2.67% | 5.89% | 8.74% | Beats 34% | 1,112 / 1,681 | |
| Net Interest Margin | 2.83% | 3.31% | 3.82% | 4.32% | Beats 9% | 1,531 / 1,683 | |
| Efficiency Ratio | 53.85% | 68.91% | 78.20% | 86.93% | Beats 94% | 100 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 39.35% | 10.44% | 12.89% | 16.53% | Beats 99% | 15 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 39.35% | 10.44% | 12.89% | 16.53% | Beats 99% | 15 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 77.96% | 52.61% | 69.38% | 83.50% | 66th pctl | 575 / 1,683 | |
| Loans / Assets | 47.28% | 44.71% | 59.18% | 70.72% | 29th pctl | 1,192 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |