Stewart's
Saratoga Spring, NY · Charter 24036 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$47.3MAssets
$18.9MLoans
$42.8MShares
$4.2MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 86% of credit unions under $1B in assets (rank 229 of 1682).
- Widest gap: equity / assets trails 90% of credit unions under $1B in assets (rank 1522 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.87%
Rank 717 of 1,683
Net Interest Margin
3.34%
Rank 1,253 of 1,683
Efficiency Ratio
62.35%
Rank 229 of 1,682
Equity / Assets
8.87%
Rank 1,522 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.87% | 0.35% | 0.74% | 1.18% | Beats 57% | 717 / 1,683 | | |
| Return on Equity | 9.81% | 2.67% | 5.89% | 8.74% | Beats 82% | 304 / 1,681 | | |
| Net Interest Margin | 3.34% | 3.31% | 3.82% | 4.32% | Beats 26% | 1,253 / 1,683 | | |
| Efficiency Ratio | 62.35% | 68.91% | 78.20% | 86.93% | Beats 86% | 229 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.82% | 0.26% | 0.65% | 1.29% | Beats 42% | 971 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.87% | 10.44% | 12.89% | 16.53% | Beats 10% | 1,522 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.87% | 10.44% | 12.89% | 16.53% | Beats 10% | 1,522 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 44.09% | 52.61% | 69.38% | 83.50% | 15th pctl | 1,424 / 1,683 | | |
| Loans / Assets | 39.90% | 44.71% | 59.18% | 70.72% | 19th pctl | 1,366 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |