Parks Heritage
Glens Falls, NY · Charter 16933 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$42.3MAssets
$23.2MLoans
$35.3MShares
$7.0MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 75% of credit unions under $1B in assets (rank 415 of 1683).
- Widest gap: return on equity trails 40% of credit unions under $1B in assets (rank 666 of 1681).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.15%
Rank 446 of 1,683
Net Interest Margin
4.26%
Rank 463 of 1,683
Efficiency Ratio
73.48%
Rank 617 of 1,682
Equity / Assets
16.62%
Rank 415 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.15% | 0.35% | 0.74% | 1.18% | Beats 73% | 446 / 1,683 | |
| Return on Equity | 6.94% | 2.67% | 5.89% | 8.74% | Beats 60% | 666 / 1,681 | |
| Net Interest Margin | 4.26% | 3.31% | 3.82% | 4.32% | Beats 72% | 463 / 1,683 | |
| Efficiency Ratio | 73.48% | 68.91% | 78.20% | 86.93% | Beats 63% | 617 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.28% | 0.26% | 0.65% | 1.29% | Beats 74% | 444 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.62% | 10.44% | 12.89% | 16.53% | Beats 75% | 415 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.62% | 10.44% | 12.89% | 16.53% | Beats 75% | 415 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 65.77% | 52.61% | 69.38% | 83.50% | 43rd pctl | 957 / 1,683 | |
| Loans / Assets | 54.81% | 44.71% | 59.18% | 70.72% | 42nd pctl | 977 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |