Inner Lakes

WESTFIELD, NY · 1 · Charter #7717 · www.innerlakesfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$159.3M
75th percentile
Members
10,474
71th percentile
Total loans
$53.7M
44th percentile
Total shares
$149.4M
81th percentile

Profitability

Return on assets
0.98%
47th percentile
Net interest margin
3.07%
20th percentile
Efficiency ratio
54.17%
74th percentile
Non-interest income ratio
11.28%
21th percentile

Capital & Risk

Net worth ratio
9.78%
20th percentile
Delinquency rate
0.44%
69th percentile
Net charge-off rate
0.77%
16th percentile
Loan-to-share
35.97%
6th percentile

Growth

Member growth YoY
-0.84%
47th percentile
Asset growth YoY
7.59%
79th percentile
Loan growth YoY
-3.72%
23th percentile
Share growth YoY
5.23%
66th percentile

Operations

Members / branch
2,095
23th percentile
Assets / member
$15,205
56th percentile
Field of membership penetration
8.45%
55th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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