Trailnorth
Ticonderoga, NY · Charter 9219 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 4 branches
Q2 2026
$179.6MAssets
$91.4MLoans
$164.8MShares
$17.6MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 76% of credit unions under $1B in assets in NY (rank 14 of 59).
- Widest gap: equity / assets trails 92% of credit unions under $1B in assets in NY (rank 54 of 59).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.73%
Rank 38 of 59
Net Interest Margin
4.07%
Rank 14 of 59
Efficiency Ratio
75.78%
Rank 35 of 59
Equity / Assets
9.78%
Rank 54 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.73% | 0.28% | 1.01% | 1.42% | Beats 36% | 38 / 59 | | |
| Return on Equity | 7.45% | 2.31% | 7.92% | 10.52% | Beats 42% | 34 / 59 | | |
| Net Interest Margin | 4.07% | 3.24% | 3.66% | 4.04% | Beats 76% | 14 / 59 | | |
| Efficiency Ratio | 75.78% | 63.53% | 74.15% | 82.44% | Beats 42% | 35 / 59 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.84% | 0.32% | 0.68% | 1.20% | Beats 46% | 33 / 59 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.78% | 10.94% | 13.05% | 16.06% | Beats 8% | 54 / 59 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.78% | 10.94% | 13.05% | 16.06% | Beats 8% | 54 / 59 | | |
| Liquidity & Funding |
| Loans / Deposits | 55.49% | 40.49% | 57.59% | 78.86% | 42nd pctl | 34 / 59 | | |
| Loans / Assets | 50.92% | 33.06% | 50.92% | 63.03% | 49th pctl | 30 / 59 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |