Peru Central School
Peru, NY · Charter 15516 · Peer group: credit unions under $1B in assets in NY (n=108)
NCUA · 4 branches
Q3 2025
$57.5MAssets
$41.8MLoans
$53.0MShares
$4.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 54% of credit unions under $1B in assets in NY (rank 50 of 108).
- Widest gap: return on equity trails 99% of credit unions under $1B in assets in NY (rank 107 of 108).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-1.32%
Rank 106 of 108
Net Interest Margin
3.71%
Rank 50 of 108
Efficiency Ratio
113.79%
Rank 103 of 108
Equity / Assets
7.08%
Rank 106 of 108
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.32% | 0.49% | 0.98% | 1.45% | Beats 2% | 106 / 108 | | |
| Return on Equity | -18.62% | 4.14% | 8.00% | 11.34% | Beats 1% | 107 / 108 | | |
| Net Interest Margin | 3.71% | 3.14% | 3.69% | 4.19% | Beats 54% | 50 / 108 | | |
| Efficiency Ratio | 113.79% | 64.66% | 75.17% | 83.95% | Beats 6% | 103 / 108 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.59% | 0.20% | 0.70% | 1.38% | Beats 22% | 85 / 108 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 7.08% | 10.19% | 11.97% | 14.98% | Beats 2% | 106 / 108 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 7.08% | 10.19% | 11.97% | 14.98% | Beats 2% | 106 / 108 | | |
| Liquidity & Funding |
| Loans / Deposits | 78.85% | 45.37% | 63.46% | 80.66% | 72nd pctl | 30 / 108 | | |
| Loans / Assets | 72.65% | 38.84% | 53.61% | 69.06% | 82nd pctl | 19 / 108 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |