Northern
Watertown, NY · Charter 24989 · Peer group: credit unions under $1B in assets in NY (n=59)
Q2 2026
$698.2MAssets
$562.1MLoans
$614.7MShares
$71.2MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 42% of credit unions under $1B in assets in NY (rank 34 of 59).
- Widest gap: equity / assets trails 88% of credit unions under $1B in assets in NY (rank 52 of 59).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.15%
Rank 50 of 59
Net Interest Margin
3.60%
Rank 34 of 59
Efficiency Ratio
93.03%
Rank 53 of 59
Equity / Assets
10.19%
Rank 52 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.15% | 0.28% | 1.01% | 1.42% | Beats 15% | 50 / 59 | |
| Return on Equity | 1.47% | 2.31% | 7.92% | 10.52% | Beats 17% | 49 / 59 | |
| Net Interest Margin | 3.60% | 3.24% | 3.66% | 4.04% | Beats 42% | 34 / 59 | |
| Efficiency Ratio | 93.03% | 63.53% | 74.15% | 82.44% | Beats 12% | 53 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.32% | 0.32% | 0.68% | 1.20% | Beats 24% | 46 / 59 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.19% | 10.94% | 13.05% | 16.06% | Beats 12% | 52 / 59 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.19% | 10.94% | 13.05% | 16.06% | Beats 12% | 52 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 91.45% | 40.49% | 57.59% | 78.86% | 95th pctl | 3 / 59 | |
| Loans / Assets | 80.51% | 33.06% | 50.92% | 63.03% | 97th pctl | 2 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |