Westar
Camillus, NY · Charter 15386 · Peer group: credit unions under $1B in assets (n=1,674-1,677)
NCUA · 3 branches
Q1 2026
$33.2MAssets
$8.9MLoans
$29.7MShares
$3.4MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 86% of credit unions under $1B in assets (rank 233 of 1675).
- Widest gap: efficiency ratio trails 84% of credit unions under $1B in assets (rank 1409 of 1674).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.13%
Rank 1,379 of 1,677
Net Interest Margin
3.68%
Rank 923 of 1,676
Efficiency Ratio
92.64%
Rank 1,409 of 1,674
Equity / Assets
10.37%
Rank 1,250 of 1,676
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.13% | 0.29% | 0.71% | 1.15% | Beats 18% | 1,379 / 1,677 | |
| Return on Equity | 1.28% | 2.30% | 5.46% | 8.75% | Beats 19% | 1,353 / 1,674 | |
| Net Interest Margin | 3.68% | 3.27% | 3.78% | 4.29% | Beats 45% | 923 / 1,676 | |
| Efficiency Ratio | 92.64% | 69.04% | 78.86% | 87.73% | Beats 16% | 1,409 / 1,674 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.23% | 0.59% | 1.15% | Beats 86% | 233 / 1,675 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.37% | 10.32% | 12.68% | 16.26% | Beats 25% | 1,251 / 1,677 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.37% | 10.32% | 12.68% | 16.26% | Beats 25% | 1,250 / 1,676 | |
| Liquidity & Funding |
| Loans / Deposits | 29.99% | 52.64% | 68.65% | 82.42% | 5th pctl | 1,586 / 1,676 | |
| Loans / Assets | 26.87% | 44.39% | 58.63% | 70.08% | 6th pctl | 1,574 / 1,676 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |