Southern Chautauqua
Lakewood, NY · Charter 9107 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 10 branches
Q2 2026
$163.1MAssets
$115.8MLoans
$134.8MShares
$28.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 92% of credit unions under $1B in assets in NY (rank 5 of 59).
- Widest gap: nonperforming loans / loans trails 81% of credit unions under $1B in assets in NY (rank 49 of 59).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.62%
Rank 8 of 59
Net Interest Margin
4.80%
Rank 5 of 59
Efficiency Ratio
75.27%
Rank 33 of 59
Equity / Assets
17.58%
Rank 12 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.62% | 0.28% | 1.01% | 1.42% | Beats 86% | 8 / 59 | |
| Return on Equity | 9.22% | 2.31% | 7.92% | 10.52% | Beats 66% | 20 / 59 | |
| Net Interest Margin | 4.80% | 3.24% | 3.66% | 4.04% | Beats 92% | 5 / 59 | |
| Efficiency Ratio | 75.27% | 63.53% | 74.15% | 82.44% | Beats 46% | 33 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.61% | 0.32% | 0.68% | 1.20% | Beats 19% | 49 / 59 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.58% | 10.94% | 13.05% | 16.06% | Beats 80% | 12 / 59 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.58% | 10.94% | 13.05% | 16.06% | Beats 80% | 12 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 85.93% | 40.49% | 57.59% | 78.86% | 86th pctl | 8 / 59 | |
| Loans / Assets | 71.00% | 33.06% | 50.92% | 63.03% | 86th pctl | 8 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |