Tonawanda Valley

Batavia, NY · 1 · Charter #22167 · www.tvfcubatavia.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
$163.3M
77th percentile
Members
13,022
84th percentile
Total loans
$89.2M
70th percentile
Total shares
$144.9M
79th percentile

Profitability

Return on assets
1.48%
76th percentile
Net interest margin
3.70%
53th percentile
Efficiency ratio
67.73%
34th percentile
Non-interest income ratio
21.50%
71th percentile

Capital & Risk

Net worth ratio
10.85%
33th percentile
Delinquency rate
0.07%
95th percentile
Net charge-off rate
0.06%
90th percentile
Loan-to-share
61.58%
38th percentile

Growth

Member growth YoY
-0.01%
58th percentile
Asset growth YoY
7.32%
77th percentile
Loan growth YoY
2.90%
59th percentile
Share growth YoY
6.46%
74th percentile

Operations

Members / branch
13,022
99th percentile
Assets / member
$12,541
34th percentile
Field of membership penetration
1.44%
22th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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