First Source
New Hartford, NY · Charter 2658 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 6 branches
Q2 2026
$1.1BAssets
$1.1BLoans
$999.1MShares
$113.9MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 99% of credit unions $1B-$10B in assets (rank 3 of 435).
- Widest gap: nonperforming loans / loans trails 74% of credit unions $1B-$10B in assets (rank 323 of 435).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.85%
Rank 200 of 435
Net Interest Margin
4.86%
Rank 3 of 435
Efficiency Ratio
67.27%
Rank 144 of 435
Equity / Assets
10.16%
Rank 287 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.85% | 0.55% | 0.81% | 1.14% | Beats 54% | 200 / 435 | |
| Return on Equity | 8.38% | 5.12% | 7.41% | 9.70% | Beats 62% | 164 / 435 | |
| Net Interest Margin | 4.86% | 3.01% | 3.39% | 3.75% | Beats 99% | 3 / 435 | |
| Efficiency Ratio | 67.27% | 65.25% | 71.39% | 77.86% | Beats 67% | 144 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.03% | 0.45% | 0.69% | 1.05% | Beats 26% | 323 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.16% | 9.81% | 10.84% | 12.63% | Beats 34% | 287 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.16% | 9.81% | 10.84% | 12.63% | Beats 34% | 287 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 105.86% | 78.33% | 88.38% | 95.61% | 95th pctl | 22 / 435 | |
| Loans / Assets | 94.38% | 67.69% | 74.58% | 80.80% | 100th pctl | 1 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |