Tri-County
Delevan, NY · Charter 21875 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 1 branch
Q2 2026
$5.0MAssets
$3.1MLoans
$3.9MShares
$1.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 88% of credit unions under $1B in assets in NY (rank 7 of 59).
- Widest gap: nonperforming loans / loans trails 80% of credit unions under $1B in assets in NY (rank 48 of 59).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.96%
Rank 33 of 59
Net Interest Margin
4.29%
Rank 12 of 59
Efficiency Ratio
78.57%
Rank 39 of 59
Equity / Assets
21.23%
Rank 7 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.96% | 0.28% | 1.01% | 1.42% | Beats 44% | 33 / 59 | |
| Return on Equity | 4.53% | 2.31% | 7.92% | 10.52% | Beats 29% | 42 / 59 | |
| Net Interest Margin | 4.29% | 3.24% | 3.66% | 4.04% | Beats 80% | 12 / 59 | |
| Efficiency Ratio | 78.57% | 63.53% | 74.15% | 82.44% | Beats 36% | 39 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.55% | 0.32% | 0.68% | 1.20% | Beats 20% | 48 / 59 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 21.23% | 10.94% | 13.05% | 16.06% | Beats 88% | 7 / 59 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 21.23% | 10.94% | 13.05% | 16.06% | Beats 88% | 7 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 78.86% | 40.49% | 57.59% | 78.86% | 75th pctl | 15 / 59 | |
| Loans / Assets | 61.99% | 33.06% | 50.92% | 63.03% | 71st pctl | 17 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |