Beginnings
Ithaca, NY · Charter 68322 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 14 branches
Q2 2026
$1.5BAssets
$1.1BLoans
$1.3BShares
$215.6MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 88% of credit unions $1B-$10B in assets (rank 52 of 435).
- Widest gap: efficiency ratio trails 80% of credit unions $1B-$10B in assets (rank 351 of 435).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.73%
Rank 259 of 435
Net Interest Margin
3.36%
Rank 229 of 435
Efficiency Ratio
78.98%
Rank 351 of 435
Equity / Assets
14.01%
Rank 52 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.73% | 0.55% | 0.81% | 1.14% | Beats 40% | 259 / 435 | |
| Return on Equity | 5.19% | 5.12% | 7.41% | 9.70% | Beats 26% | 321 / 435 | |
| Net Interest Margin | 3.36% | 3.01% | 3.39% | 3.75% | Beats 47% | 229 / 435 | |
| Efficiency Ratio | 78.98% | 65.25% | 71.39% | 77.86% | Beats 20% | 351 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.69% | 0.45% | 0.69% | 1.05% | Beats 49% | 221 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.01% | 9.81% | 10.84% | 12.63% | Beats 88% | 52 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.01% | 9.81% | 10.84% | 12.63% | Beats 88% | 52 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 82.28% | 78.33% | 88.38% | 95.61% | 34th pctl | 287 / 435 | |
| Loans / Assets | 69.80% | 67.69% | 74.58% | 80.80% | 33rd pctl | 292 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |