Spencerport
Spencerport, NY · Charter 14884 · Peer group: credit unions under $1B in assets in the Rochester, NY area (n=16)
NCUA · 1 branch
Q2 2026
$43.1MAssets
$22.4MLoans
$39.0MShares
$4.0MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 75% of credit unions under $1B in assets in the Rochester, NY area (rank 4 of 16).
- Widest gap: equity / assets trails 87% of credit unions under $1B in assets in the Rochester, NY area (rank 14 of 16).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.99%
Rank 5 of 16
Net Interest Margin
3.86%
Rank 8 of 16
Efficiency Ratio
74.18%
Rank 5 of 16
Equity / Assets
9.27%
Rank 14 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.99% | 0.50% | 0.77% | 1.48% | Beats 69% | 5 / 16 | |
| Return on Equity | 10.72% | 4.22% | 6.62% | 10.72% | Beats 75% | 4 / 16 | |
| Net Interest Margin | 3.86% | 3.56% | 3.86% | 4.25% | Beats 50% | 8 / 16 | |
| Efficiency Ratio | 74.18% | 74.18% | 80.46% | 85.46% | Beats 75% | 5 / 16 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.49% | 0.36% | 0.55% | 2.51% | Beats 62% | 7 / 16 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.27% | 9.57% | 11.10% | 14.62% | Beats 13% | 14 / 16 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.27% | 9.57% | 11.10% | 14.62% | Beats 13% | 14 / 16 | |
| Liquidity & Funding |
| Loans / Deposits | 57.56% | 57.16% | 70.70% | 77.55% | 31st pctl | 11 / 16 | |
| Loans / Assets | 52.07% | 50.73% | 59.07% | 66.01% | 31st pctl | 11 / 16 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |