Western New York

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

$89.2M

38^th percentile

Members

8,730

59^th percentile

Total loans

$48.8M

38^th percentile

Total shares

$78.6M

41^th percentile

Profitability

Return on assets

1.63%

82^th percentile

Net interest margin

3.78%

57^th percentile

Efficiency ratio

61.18%

55^th percentile

Non-interest income ratio

24.06%

80^th percentile

Capital & Risk

Net worth ratio

11.35%

40^th percentile

Delinquency rate

0.70%

51^th percentile

Net charge-off rate

0.37%

45^th percentile

Loan-to-share

62.10%

39^th percentile

Growth

Member growth YoY

-1.26%

42^th percentile

Asset growth YoY

6.08%

68^th percentile

Loan growth YoY

-5.37%

17^th percentile

Share growth YoY

4.86%

63^th percentile

Operations

Members / branch

8,730

97^th percentile

Assets / member

$10,221

15^th percentile

Field of membership penetration

0.92%

14^th percentile

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