Finger Lakes
Geneva, NY · Charter 18022 · Peer group: credit unions under $1B in assets in the Rochester, NY area (n=16)
NCUA · 4 branches
Q2 2026
$259.5MAssets
$157.8MLoans
$219.2MShares
$37.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 94% of credit unions under $1B in assets in the Rochester, NY area (rank 2 of 16).
- Widest gap: net interest margin trails 37% of credit unions under $1B in assets in the Rochester, NY area (rank 6 of 16).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.76%
Rank 3 of 16
Net Interest Margin
4.05%
Rank 6 of 16
Efficiency Ratio
65.13%
Rank 3 of 16
Equity / Assets
14.62%
Rank 4 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.76% | 0.50% | 0.77% | 1.48% | Beats 81% | 3 / 16 | | |
| Return on Equity | 12.06% | 4.22% | 6.62% | 10.72% | Beats 88% | 2 / 16 | | |
| Net Interest Margin | 4.05% | 3.56% | 3.86% | 4.25% | Beats 63% | 6 / 16 | | |
| Efficiency Ratio | 65.13% | 74.18% | 80.46% | 85.46% | Beats 87% | 3 / 16 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.10% | 0.36% | 0.55% | 2.51% | Beats 94% | 2 / 16 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.62% | 9.57% | 11.10% | 14.62% | Beats 75% | 4 / 16 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.62% | 9.57% | 11.10% | 14.62% | Beats 75% | 4 / 16 | | |
| Liquidity & Funding |
| Loans / Deposits | 72.00% | 57.16% | 70.70% | 77.55% | 56th pctl | 7 / 16 | | |
| Loans / Assets | 60.83% | 50.73% | 59.07% | 66.01% | 56th pctl | 7 / 16 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |