Gates Chili
Rochester, NY · Charter 16236 · Peer group: credit unions under $1B in assets in the Rochester, NY area (n=16)
NCUA · 1 branch
Q2 2026
$30.4MAssets
$13.9MLoans
$28.2MShares
$2.3MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 81% of credit unions under $1B in assets in the Rochester, NY area (rank 4 of 16).
- Widest gap: equity / assets trails 94% of credit unions under $1B in assets in the Rochester, NY area (rank 15 of 16).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.51%
Rank 11 of 16
Net Interest Margin
3.94%
Rank 7 of 16
Efficiency Ratio
85.26%
Rank 12 of 16
Equity / Assets
7.68%
Rank 15 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.51% | 0.50% | 0.77% | 1.48% | Beats 31% | 11 / 16 | |
| Return on Equity | 6.68% | 4.22% | 6.62% | 10.72% | Beats 56% | 7 / 16 | |
| Net Interest Margin | 3.94% | 3.56% | 3.86% | 4.25% | Beats 56% | 7 / 16 | |
| Efficiency Ratio | 85.26% | 74.18% | 80.46% | 85.46% | Beats 31% | 12 / 16 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.25% | 0.36% | 0.55% | 2.51% | Beats 81% | 4 / 16 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 7.68% | 9.57% | 11.10% | 14.62% | Beats 6% | 15 / 16 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 7.68% | 9.57% | 11.10% | 14.62% | Beats 6% | 15 / 16 | |
| Liquidity & Funding |
| Loans / Deposits | 49.20% | 57.16% | 70.70% | 77.55% | 13th pctl | 14 / 16 | |
| Loans / Assets | 45.60% | 50.73% | 59.07% | 66.01% | 19th pctl | 13 / 16 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |