Leatherstocking Region
Cooperstown, NY · Charter 22625 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 1 branch
Q2 2026
$107.7MAssets
$63.9MLoans
$94.6MShares
$13.0MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 78% of credit unions under $1B in assets in NY (rank 13 of 59).
- Widest gap: equity / assets trails 61% of credit unions under $1B in assets in NY (rank 36 of 59).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.31%
Rank 21 of 59
Net Interest Margin
3.81%
Rank 24 of 59
Efficiency Ratio
63.53%
Rank 15 of 59
Equity / Assets
12.06%
Rank 36 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.31% | 0.28% | 1.01% | 1.42% | Beats 64% | 21 / 59 | | |
| Return on Equity | 10.88% | 2.31% | 7.92% | 10.52% | Beats 78% | 13 / 59 | | |
| Net Interest Margin | 3.81% | 3.24% | 3.66% | 4.04% | Beats 59% | 24 / 59 | | |
| Efficiency Ratio | 63.53% | 63.53% | 74.15% | 82.44% | Beats 76% | 15 / 59 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.68% | 0.32% | 0.68% | 1.20% | Beats 51% | 30 / 59 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.06% | 10.94% | 13.05% | 16.06% | Beats 39% | 36 / 59 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.06% | 10.94% | 13.05% | 16.06% | Beats 39% | 36 / 59 | | |
| Liquidity & Funding |
| Loans / Deposits | 67.53% | 40.49% | 57.59% | 78.86% | 63rd pctl | 22 / 59 | | |
| Loans / Assets | 59.31% | 33.06% | 50.92% | 63.03% | 68th pctl | 19 / 59 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |