CVPH Employees
Plattsburgh, NY · Charter 22195 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 2 branches
Q2 2026
$10.4MAssets
$7.4MLoans
$9.3MShares
$1.1MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 90% of credit unions under $1B in assets in NY (rank 7 of 59).
- Widest gap: efficiency ratio trails 86% of credit unions under $1B in assets in NY (rank 52 of 59).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.21%
Rank 48 of 59
Net Interest Margin
3.53%
Rank 36 of 59
Efficiency Ratio
92.86%
Rank 52 of 59
Equity / Assets
10.77%
Rank 48 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.21% | 0.28% | 1.01% | 1.42% | Beats 19% | 48 / 59 | |
| Return on Equity | 1.96% | 2.31% | 7.92% | 10.52% | Beats 20% | 47 / 59 | |
| Net Interest Margin | 3.53% | 3.24% | 3.66% | 4.04% | Beats 39% | 36 / 59 | |
| Efficiency Ratio | 92.86% | 63.53% | 74.15% | 82.44% | Beats 14% | 52 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.32% | 0.68% | 1.20% | Beats 90% | 7 / 59 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.77% | 10.94% | 13.05% | 16.06% | Beats 19% | 48 / 59 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.77% | 10.94% | 13.05% | 16.06% | Beats 19% | 48 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 79.48% | 40.49% | 57.59% | 78.86% | 76th pctl | 14 / 59 | |
| Loans / Assets | 70.69% | 33.06% | 50.92% | 63.03% | 83rd pctl | 10 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |