Corinth, NY · Charter 68342
NCUA · 5 branches
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in NY (n=107). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
75
Asset Quality
23
Profitability
32
Liquidity
0
Efficiency
30
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Corinth, NY · Charter 68342
NCUA · 5 branches
Q4 2025
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 1.06% | 1.15% | 0.68% | 0.71% | 1.00% | 0.98% | 0.54% | -14 bps | |
| Return on Equity | 5.84% | 6.97% | 7.16% | 4.30% | 4.55% | 6.39% | 6.16% | 3.58% | -72 bps | |
| Net Interest Margin | 3.31% | 3.38% | 3.56% | 3.41% | 3.55% | 3.66% | 3.78% | 3.53% | +12 bps | |
| Efficiency Ratio | 78.80% | 76.59% | 74.80% | 83.42% | 80.95% | 75.38% | 76.82% | 83.00% | -41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.35% | 0.93% | -4.67% | -2.63% | -0.83% | 1.51% | 5.10% | 9.58% | +1,221 bps | |
| Loan Growth (YoY) | 0.42% | -1.29% | -3.21% | -3.86% | -3.88% | -2.50% | -0.13% | 0.88% | +474 bps | |
| Share Growth (YoY) | -0.35% | 1.84% | 1.51% | 2.19% | 1.93% | 2.31% | 4.48% | 9.74% | +755 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.88% | 1.11% | 1.25% | 1.20% | 1.02% | 1.27% | 1.20% | 1.38% | +18 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.84% | 15.21% | 16.07% | 15.80% | 15.58% | 15.60% | 15.84% | 14.95% | -86 bps | |
| Net Worth / Assets | 14.84% | 15.21% | 16.07% | 15.80% | 15.58% | 15.60% | 15.84% | 14.95% | -86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.62% | 102.61% | 104.03% | 101.77% | 97.71% | 97.79% | 99.45% | 93.55% | -822 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Corinth, NY · Charter 68342 · Peer group: credit unions under $1B in assets in NY (n=107)
NCUA · 5 branches
Q4 2025
Return on Assets
0.53%
Rank 75 of 107
Net Interest Margin
3.53%
Rank 60 of 107
Efficiency Ratio
83.01%
Rank 76 of 107
Equity / Assets
14.95%
Rank 27 of 107
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.53% | 0.42% | 0.92% | 1.36% | Beats 30% | 75 / 107 | ||
| Return on Equity | 3.58% | 3.80% | 7.58% | 10.43% | Beats 22% | 83 / 107 | ||
| Net Interest Margin | 3.53% | 3.18% | 3.63% | 4.13% | Beats 44% | 60 / 107 | ||
| Efficiency Ratio | 83.01% | 65.85% | 74.81% | 83.64% | Beats 30% | 76 / 107 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.38% | 0.27% | 0.79% | 1.35% | Beats 23% | 83 / 107 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.95% | 10.29% | 11.95% | 14.95% | Beats 75% | 27 / 107 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.95% | 10.29% | 11.95% | 14.95% | Beats 75% | 27 / 107 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.55% | 43.75% | 61.23% | 78.36% | 95th pctl | 5 / 107 | ||
| Loans / Assets | 78.33% | 37.83% | 52.55% | 66.10% | 93rd pctl | 8 / 107 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||