Finger Lakes Health Care
Elmira, NY · Charter 21294 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$35.3MAssets
$7.7MLoans
$29.7MShares
$5.5MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 91% of credit unions under $1B in assets (rank 155 of 1682).
- Widest gap: net interest margin trails 72% of credit unions under $1B in assets (rank 1218 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.61%
Rank 999 of 1,683
Net Interest Margin
3.38%
Rank 1,218 of 1,683
Efficiency Ratio
85.27%
Rank 1,197 of 1,682
Equity / Assets
15.54%
Rank 497 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.61% | 0.35% | 0.74% | 1.18% | Beats 41% | 999 / 1,683 | | |
| Return on Equity | 3.94% | 2.67% | 5.89% | 8.74% | Beats 34% | 1,102 / 1,681 | | |
| Net Interest Margin | 3.38% | 3.31% | 3.82% | 4.32% | Beats 28% | 1,218 / 1,683 | | |
| Efficiency Ratio | 85.27% | 68.91% | 78.20% | 86.93% | Beats 29% | 1,197 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.26% | 0.65% | 1.29% | Beats 91% | 155 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.54% | 10.44% | 12.89% | 16.53% | Beats 70% | 497 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.54% | 10.44% | 12.89% | 16.53% | Beats 70% | 497 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 25.79% | 52.61% | 69.38% | 83.50% | 3rd pctl | 1,627 / 1,683 | | |
| Loans / Assets | 21.75% | 44.71% | 59.18% | 70.72% | 3rd pctl | 1,626 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |