Trunorthern
Malone, NY · Charter 21026 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 4 branches
Q2 2026
$111.7MAssets
$69.9MLoans
$100.8MShares
$13.1MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 80% of credit unions under $1B in assets in NY (rank 13 of 59).
- Widest gap: efficiency ratio trails 80% of credit unions under $1B in assets in NY (rank 48 of 59).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.70%
Rank 40 of 59
Net Interest Margin
4.04%
Rank 15 of 59
Efficiency Ratio
83.92%
Rank 48 of 59
Equity / Assets
11.70%
Rank 37 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.70% | 0.28% | 1.01% | 1.42% | Beats 32% | 40 / 59 | | |
| Return on Equity | 5.97% | 2.31% | 7.92% | 10.52% | Beats 36% | 38 / 59 | | |
| Net Interest Margin | 4.04% | 3.24% | 3.66% | 4.04% | Beats 75% | 15 / 59 | | |
| Efficiency Ratio | 83.92% | 63.53% | 74.15% | 82.44% | Beats 20% | 48 / 59 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.25% | 0.32% | 0.68% | 1.20% | Beats 80% | 13 / 59 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.70% | 10.94% | 13.05% | 16.06% | Beats 37% | 37 / 59 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.70% | 10.94% | 13.05% | 16.06% | Beats 37% | 37 / 59 | | |
| Liquidity & Funding |
| Loans / Deposits | 69.37% | 40.49% | 57.59% | 78.86% | 68th pctl | 19 / 59 | | |
| Loans / Assets | 62.59% | 33.06% | 50.92% | 63.03% | 73rd pctl | 16 / 59 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |