First New York

Albany, NY · 1 · Charter #2440 · www.firstnewyork.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$535.0M
62th percentile
Members
38,878
73th percentile
Total loans
$415.6M
70th percentile
Total shares
$480.1M
64th percentile

Profitability

Return on assets
0.99%
52th percentile
Net interest margin
3.89%
77th percentile
Efficiency ratio
69.63%
12th percentile
Non-interest income ratio
21.47%
66th percentile

Capital & Risk

Net worth ratio
9.25%
21th percentile
Delinquency rate
0.76%
46th percentile
Net charge-off rate
0.28%
64th percentile
Loan-to-share
86.57%
66th percentile

Growth

Member growth YoY
1.36%
61th percentile
Asset growth YoY
5.28%
52th percentile
Loan growth YoY
12.25%
88th percentile
Share growth YoY
3.66%
40th percentile

Operations

Members / branch
4,320
43th percentile
Assets / member
$13,760
27th percentile
Field of membership penetration
4.32%
50th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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