Northern
Watertown, NY · Charter 68696 · Peer group: credit unions under $1B in assets (n=1,674-1,677)
NCUA · 11 branches
Q1 2026
$682.1MAssets
$546.4MLoans
$599.4MShares
$70.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 46% of credit unions under $1B in assets (rank 906 of 1676).
- Widest gap: efficiency ratio trails 88% of credit unions under $1B in assets (rank 1469 of 1674).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.03%
Rank 1,422 of 1,677
Net Interest Margin
3.70%
Rank 906 of 1,676
Efficiency Ratio
94.67%
Rank 1,469 of 1,674
Equity / Assets
10.37%
Rank 1,249 of 1,676
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.03% | 0.29% | 0.71% | 1.15% | Beats 15% | 1,422 / 1,677 | |
| Return on Equity | 0.32% | 2.30% | 5.46% | 8.75% | Beats 15% | 1,420 / 1,674 | |
| Net Interest Margin | 3.70% | 3.27% | 3.78% | 4.29% | Beats 46% | 906 / 1,676 | |
| Efficiency Ratio | 94.67% | 69.04% | 78.86% | 87.73% | Beats 12% | 1,469 / 1,674 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.67% | 0.23% | 0.59% | 1.15% | Beats 45% | 915 / 1,675 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.37% | 10.32% | 12.68% | 16.26% | Beats 25% | 1,250 / 1,677 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.37% | 10.32% | 12.68% | 16.26% | Beats 25% | 1,249 / 1,676 | |
| Liquidity & Funding |
| Loans / Deposits | 91.16% | 52.64% | 68.65% | 82.42% | 90th pctl | 169 / 1,676 | |
| Loans / Assets | 80.11% | 44.39% | 58.63% | 70.08% | 93rd pctl | 109 / 1,676 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |