Alternatives
Ithaca, NY · Charter 23283 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$161.4MAssets
$97.5MLoans
$144.5MShares
$14.3MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 77% of credit unions under $1B in assets (rank 395 of 1683).
- Widest gap: return on equity trails 97% of credit unions under $1B in assets (rank 1630 of 1681).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-1.01%
Rank 1,618 of 1,683
Net Interest Margin
4.37%
Rank 395 of 1,683
Efficiency Ratio
93.67%
Rank 1,478 of 1,682
Equity / Assets
8.83%
Rank 1,529 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.01% | 0.35% | 0.74% | 1.18% | Beats 4% | 1,618 / 1,683 | | |
| Return on Equity | -11.44% | 2.67% | 5.89% | 8.74% | Beats 3% | 1,630 / 1,681 | | |
| Net Interest Margin | 4.37% | 3.31% | 3.82% | 4.32% | Beats 77% | 395 / 1,683 | | |
| Efficiency Ratio | 93.67% | 68.91% | 78.20% | 86.93% | Beats 12% | 1,478 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.71% | 0.26% | 0.65% | 1.29% | Beats 4% | 1,623 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.83% | 10.44% | 12.89% | 16.53% | Beats 9% | 1,529 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.83% | 10.44% | 12.89% | 16.53% | Beats 9% | 1,529 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 67.45% | 52.61% | 69.38% | 83.50% | 46th pctl | 906 / 1,683 | | |
| Loans / Assets | 60.37% | 44.71% | 59.18% | 70.72% | 53rd pctl | 795 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |