Inner Lakes
Westfield, NY · Charter 7717 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 5 branches
Q2 2026
$165.9MAssets
$52.8MLoans
$155.5MShares
$16.3MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 63% of credit unions under $1B in assets in NY (rank 22 of 59).
- Widest gap: equity / assets trails 90% of credit unions under $1B in assets in NY (rank 53 of 59).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.89%
Rank 35 of 59
Net Interest Margin
3.16%
Rank 48 of 59
Efficiency Ratio
71.35%
Rank 25 of 59
Equity / Assets
9.84%
Rank 53 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.89% | 0.28% | 1.01% | 1.42% | Beats 41% | 35 / 59 | |
| Return on Equity | 9.07% | 2.31% | 7.92% | 10.52% | Beats 63% | 22 / 59 | |
| Net Interest Margin | 3.16% | 3.24% | 3.66% | 4.04% | Beats 19% | 48 / 59 | |
| Efficiency Ratio | 71.35% | 63.53% | 74.15% | 82.44% | Beats 59% | 25 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.57% | 0.32% | 0.68% | 1.20% | Beats 61% | 24 / 59 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.84% | 10.94% | 13.05% | 16.06% | Beats 10% | 53 / 59 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.84% | 10.94% | 13.05% | 16.06% | Beats 10% | 53 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 33.95% | 40.49% | 57.59% | 78.86% | 20th pctl | 47 / 59 | |
| Loans / Assets | 31.83% | 33.06% | 50.92% | 63.03% | 22nd pctl | 46 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |