Tonawanda Community

Buffalo, NY · 1 · Charter #22464 · www.toncomfcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$47.9M
98th percentile
Members
5,271
98th percentile
Total loans
$14.2M
77th percentile
Total shares
$42.7M
99th percentile

Profitability

Return on assets
1.63%
83th percentile
Net interest margin
2.96%
18th percentile
Efficiency ratio
46.88%
86th percentile
Non-interest income ratio
15.40%
70th percentile

Capital & Risk

Net worth ratio
10.75%
21th percentile
Delinquency rate
0.46%
59th percentile
Net charge-off rate
0.37%
40th percentile
Loan-to-share
33.34%
15th percentile

Growth

Member growth YoY
2.99%
89th percentile
Asset growth YoY
7.09%
84th percentile
Loan growth YoY
0.67%
65th percentile
Share growth YoY
6.28%
81th percentile

Operations

Members / branch
5,271
99th percentile
Assets / member
$9,089
48th percentile
Field of membership penetration
65.89%
82th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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