Access
Clinton, NY · Charter 5579 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$320.1MAssets
$154.0MLoans
$287.6MShares
$30.1MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 97% of credit unions under $1B in assets (rank 58 of 1681).
- Widest gap: equity / assets trails 86% of credit unions under $1B in assets (rank 1449 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.35%
Rank 316 of 1,683
Net Interest Margin
3.25%
Rank 1,304 of 1,683
Efficiency Ratio
66.95%
Rank 356 of 1,682
Equity / Assets
9.40%
Rank 1,449 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.35% | 0.35% | 0.74% | 1.18% | Beats 81% | 316 / 1,683 | | |
| Return on Equity | 14.39% | 2.67% | 5.89% | 8.74% | Beats 97% | 58 / 1,681 | | |
| Net Interest Margin | 3.25% | 3.31% | 3.82% | 4.32% | Beats 23% | 1,304 / 1,683 | | |
| Efficiency Ratio | 66.95% | 68.91% | 78.20% | 86.93% | Beats 79% | 356 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.89% | 0.26% | 0.65% | 1.29% | Beats 38% | 1,039 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.40% | 10.44% | 12.89% | 16.53% | Beats 14% | 1,449 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.40% | 10.44% | 12.89% | 16.53% | Beats 14% | 1,449 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 53.55% | 52.61% | 69.38% | 83.50% | 26th pctl | 1,247 / 1,683 | | |
| Loans / Assets | 48.11% | 44.71% | 59.18% | 70.72% | 31st pctl | 1,165 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |