G.P.O.
New Hartford, NY · Charter 22931 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 9 branches
Q2 2026
$629.8MAssets
$329.1MLoans
$552.2MShares
$73.7MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 80% of credit unions under $1B in assets (rank 331 of 1681).
- Widest gap: net interest margin trails 71% of credit unions under $1B in assets (rank 1200 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.11%
Rank 494 of 1,683
Net Interest Margin
3.40%
Rank 1,200 of 1,683
Efficiency Ratio
73.25%
Rank 603 of 1,682
Equity / Assets
11.70%
Rank 1,042 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.11% | 0.35% | 0.74% | 1.18% | Beats 71% | 494 / 1,683 | |
| Return on Equity | 9.46% | 2.67% | 5.89% | 8.74% | Beats 80% | 331 / 1,681 | |
| Net Interest Margin | 3.40% | 3.31% | 3.82% | 4.32% | Beats 29% | 1,200 / 1,683 | |
| Efficiency Ratio | 73.25% | 68.91% | 78.20% | 86.93% | Beats 64% | 603 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.39% | 0.26% | 0.65% | 1.29% | Beats 67% | 558 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.70% | 10.44% | 12.89% | 16.53% | Beats 38% | 1,042 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.70% | 10.44% | 12.89% | 16.53% | Beats 38% | 1,042 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 59.59% | 52.61% | 69.38% | 83.50% | 34th pctl | 1,111 / 1,683 | |
| Loans / Assets | 52.26% | 44.71% | 59.18% | 70.72% | 38th pctl | 1,050 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |