Ed-Med
Ogdensburg, NY · Charter 13186 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 1 branch
Q2 2026
$34.7MAssets
$12.8MLoans
$30.3MShares
$4.3MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 90% of credit unions under $1B in assets in NY (rank 7 of 59).
- Widest gap: net interest margin trails 93% of credit unions under $1B in assets in NY (rank 55 of 59).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.07%
Rank 28 of 59
Net Interest Margin
2.49%
Rank 55 of 59
Efficiency Ratio
56.79%
Rank 7 of 59
Equity / Assets
12.51%
Rank 32 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.07% | 0.28% | 1.01% | 1.42% | Beats 53% | 28 / 59 | | |
| Return on Equity | 8.56% | 2.31% | 7.92% | 10.52% | Beats 56% | 26 / 59 | | |
| Net Interest Margin | 2.49% | 3.24% | 3.66% | 4.04% | Beats 7% | 55 / 59 | | |
| Efficiency Ratio | 56.79% | 63.53% | 74.15% | 82.44% | Beats 90% | 7 / 59 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.08% | 0.32% | 0.68% | 1.20% | Beats 36% | 39 / 59 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.51% | 10.94% | 13.05% | 16.06% | Beats 46% | 32 / 59 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.51% | 10.94% | 13.05% | 16.06% | Beats 46% | 32 / 59 | | |
| Liquidity & Funding |
| Loans / Deposits | 42.15% | 40.49% | 57.59% | 78.86% | 27th pctl | 43 / 59 | | |
| Loans / Assets | 36.79% | 33.06% | 50.92% | 63.03% | 29th pctl | 42 / 59 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |