Inner Lakes Federal Credit Union
Total assets
$162.1M
▲ +5.9% YoY
Shares & deposits
$152.3M
▲ +4.7% YoY
Loans
$54.0M
▲ +0.5% YoY
Members
11,069
▲ +5.2% YoY
ROA (annualized)
0.81%
peers 0.69%
ROE (annualized)
8.28%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +3.9% | +2.0 pts |
| Share growth (YoY) | +4.7% | +3.3% | +1.4 pts |
| Loan growth (YoY) | +0.5% | +2.9% | -2.4 pts |
| ROA | 0.81% | 0.69% | +0.1 pts |
| ROE | 8.3% | 5.9% | +2.3 pts |
ROA ranks in the 58th percentile of its peer group · Q1 2026
Profile
- Established
- 1952
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 19-21 E Main St, Westfield, NY, 14787
- NCUA charter #
- 7717
- RSSD ID
- 64981
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $162.1M | $152.3M | $54.0M | $15.9M | $329K | 0.81% | 3.20% | 0.57% | 11,069 |
| Q4 2025 | $159.3M | $149.4M | $53.7M | $15.6M | $1.1M | 0.71% | 3.07% | 0.44% | 10,474 |
| Q3 2025 | $156.9M | $147.3M | $54.2M | $15.5M | $897K | 0.76% | 3.07% | 1.96% | 10,462 |
| Q2 2025 | $156.4M | $148.7M | $53.6M | $15.2M | $675K | 0.86% | 3.05% | 1.02% | 9,175 |
| Q1 2025 | $153.1M | $145.4M | $53.7M | $15.0M | $408K | 1.07% | 3.12% | 1.06% | 10,521 |
| Q4 2024 | $148.0M | $142.0M | $55.8M | $14.6M | $1.3M | 0.91% | 3.01% | 1.48% | 10,563 |
| Q3 2024 | $145.7M | $137.8M | $56.9M | $14.4M | $1.1M | 0.98% | 3.01% | 1.21% | 10,625 |
| Q2 2024 | $142.9M | $137.4M | $57.4M | $14.0M | $667K | 0.93% | 3.04% | 1.02% | 10,614 |
Loan mix (Q1 2026): real estate $13.7M · commercial $1.2M · consumer $34.3M · securities $82.5M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 0.69% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 5.9% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.20% | 3.62% | 25th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.3% | 78.7% | 29th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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