Adirondack Regional

TUPPER LAKE, NY · 1 · Charter #5546 · www.adkcreditunion.com
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
$87.3M
36th percentile
Members
7,031
45th percentile
Total loans
$48.5M
38th percentile
Total shares
$79.1M
41th percentile

Profitability

Return on assets
1.09%
54th percentile
Net interest margin
3.61%
47th percentile
Efficiency ratio
69.25%
29th percentile
Non-interest income ratio
21.20%
69th percentile

Capital & Risk

Net worth ratio
9.10%
12th percentile
Delinquency rate
1.14%
27th percentile
Net charge-off rate
0.15%
75th percentile
Loan-to-share
61.23%
38th percentile

Growth

Member growth YoY
-1.13%
44th percentile
Asset growth YoY
5.27%
62th percentile
Loan growth YoY
-8.17%
9th percentile
Share growth YoY
6.60%
75th percentile

Operations

Members / branch
2,344
31th percentile
Assets / member
$12,412
33th percentile
Field of membership penetration
2.72%
34th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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