Mohawk Valley

MARCY, NY · 1 · Charter #20823 · www.mohawkvalleyfcu.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
$60.8M
12th percentile
Members
3,241
6th percentile
Total loans
$26.6M
11th percentile
Total shares
$53.0M
14th percentile

Profitability

Return on assets
1.50%
77th percentile
Net interest margin
3.35%
33th percentile
Efficiency ratio
50.57%
82th percentile
Non-interest income ratio
12.64%
28th percentile

Capital & Risk

Net worth ratio
12.59%
55th percentile
Delinquency rate
0.38%
74th percentile
Net charge-off rate
0.26%
58th percentile
Loan-to-share
50.10%
20th percentile

Growth

Member growth YoY
-1.19%
43th percentile
Asset growth YoY
17.31%
97th percentile
Loan growth YoY
4.78%
70th percentile
Share growth YoY
18.18%
97th percentile

Operations

Members / branch
1,621
11th percentile
Assets / member
$18,749
79th percentile
Field of membership penetration
39.52%
85th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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