Coopers Cave
Glens Falls, NY · Charter 12671 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$21.6MAssets
$8.1MLoans
$19.6MShares
$1.8MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 80% of credit unions under $1B in assets (rank 340 of 1681).
- Widest gap: equity / assets trails 95% of credit unions under $1B in assets (rank 1603 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.78%
Rank 804 of 1,683
Net Interest Margin
3.50%
Rank 1,127 of 1,683
Efficiency Ratio
81.08%
Rank 985 of 1,682
Equity / Assets
8.26%
Rank 1,603 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.78% | 0.35% | 0.74% | 1.18% | Beats 52% | 804 / 1,683 | |
| Return on Equity | 9.40% | 2.67% | 5.89% | 8.74% | Beats 80% | 340 / 1,681 | |
| Net Interest Margin | 3.50% | 3.31% | 3.82% | 4.32% | Beats 33% | 1,127 / 1,683 | |
| Efficiency Ratio | 81.08% | 68.91% | 78.20% | 86.93% | Beats 41% | 985 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.81% | 0.26% | 0.65% | 1.29% | Beats 42% | 970 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.26% | 10.44% | 12.89% | 16.53% | Beats 5% | 1,603 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.26% | 10.44% | 12.89% | 16.53% | Beats 5% | 1,603 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 41.34% | 52.61% | 69.38% | 83.50% | 12th pctl | 1,477 / 1,683 | |
| Loans / Assets | 37.45% | 44.71% | 59.18% | 70.72% | 16th pctl | 1,417 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |