Finger Lakes Health Care

ELMIRA, NY · 1 · Charter #21294 · WWW.FLHC.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
$34.3M
83th percentile
Members
2,486
76th percentile
Total loans
$8.6M
60th percentile
Total shares
$28.9M
82th percentile

Profitability

Return on assets
1.31%
72th percentile
Net interest margin
3.52%
34th percentile
Efficiency ratio
63.45%
57th percentile
Non-interest income ratio
21.10%
84th percentile

Capital & Risk

Net worth ratio
15.64%
54th percentile
Delinquency rate
0.01%
84th percentile
Net charge-off rate
0.16%
54th percentile
Loan-to-share
29.65%
12th percentile

Growth

Member growth YoY
-1.66%
47th percentile
Asset growth YoY
5.42%
76th percentile
Loan growth YoY
-2.61%
52th percentile
Share growth YoY
4.74%
74th percentile

Operations

Members / branch
2,486
86th percentile
Assets / member
$13,810
80th percentile
Field of membership penetration
40.00%
54th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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