Credit union profile
Inner Lakes
Westfield, NY · NCUA charter #7717 · Q1 2026 reporting period · source: NCUA 5300 Call Report
- Charter type
- Federally chartered credit union (FCU)
- State
- NY
- NCUA peer group
- Group 5: $100M to under $500M in assets
- Year organized
- 1952
- Designation
- Low-income designated
- Asset rank
- #1,410 of 4,250 federally insured credit unions
Key figures, Q1 2026
- Total assets$162M
- Shares and deposits$152M
- Net loans and leases$53.4M
- Net worth ratio9.82%
Ratios and peer context
Peer context compares this credit union with every federally insured credit union in the same reporting period and with its NCUA peer group (NCUA’s own asset bands). Percent shown is the share of credit unions at or below this value; higher is not always better.
| Ratio | Value | Position among insured credit unions | Peer-group median | Formula and basis |
|---|---|---|---|---|
| Net worth ratio | 9.82% | 21% of 4,250system median 12.45% | 11.49%1,036 credit unions | NCUA 5300 FS220A ACCT_998 / 10000Reported by NCUA (net worth / total assets per NCUA's own definition); stored as a fraction |
| Delinquent loans ratio (2+ months) | 0.57% | 47% of 4,239system median 0.63% | 0.61%1,036 credit unions | FS220 ACCT_041B / FS220 ACCT_025BQuarter-end balances; delinquent loans and leases two or more months past due over total loans and leases |
| Loan-to-share ratio | 35.44% | 11% of 4,248system median 67.86% | 71.78%1,036 credit unions | FS220 ACCT_025B / FS220 ACCT_018Quarter-end balances; total loans and leases over total shares and deposits |
| Return on assets (annualized, self-derived) | 0.81% | 60% of 4,249system median 0.65% | 0.70%1,036 credit unions | FS220A ACCT_661A x (12 / months in year-to-date) / FS220 ACCT_010Self-derived by OptimaYield from year-to-date net income and quarter-end (not average) total assets; not an NCUA-published ratio |
| Allowance to total loans | 1.01% | 59% of 4,232system median 0.88% | 0.81%1,036 credit unions | (FS220N ACCT_AS0048, else FS220 ACCT_719) / FS220 ACCT_025BQuarter-end allowance for credit losses over total loans and leases |
Return on assets is self-derived by OptimaYield from year-to-date net income and quarter-end assets. It is not an NCUA-published ratio and can differ from NCUA’s own average-asset calculations.
Reported figures and evidence
Dollar figures are whole dollars as reported to NCUA. Each row names the NCUA account code and schedule file it comes from.
| Figure | Value | NCUA account | Schedule file | Basis |
|---|---|---|---|---|
| Total assets | $162M | ACCT_010 | FS220 | Reported by the credit union |
| Total shares and deposits | $152M | ACCT_018 | FS220 | Reported by the credit union |
| Total loans and leases | $54.0M | ACCT_025B | FS220 | Reported by the credit union |
| Allowance for credit losses | $545K | ACCT_AS0048 (CECL filers) or ACCT_719 (legacy filers) | FS220N / FS220 | Derived by OptimaYield |
| Net loans and leases | $53.4M | ACCT_025B minus allowance | FS220 / FS220N | Derived by OptimaYield |
| Delinquent loans (2+ months) | $308K | ACCT_041B | FS220 | Reported by the credit union |
| Net income, year to date | $329K | ACCT_661A | FS220A | Reported by the credit union |
| Total net worth | $15.9M | ACCT_997 | FS220A | Reported by the credit union |
| Net worth ratio (reported by NCUA) | 9.82% | ACCT_998 | FS220A | Reported by the credit union |
Source and lineage
- Publisher: National Credit Union Administration (NCUA), 5300 Call Report quarterly data, period ended 2026-03-31.
- Dataset page: ncua.gov quarterly data.
- Archive used: call-report-data-2026-03.zip, SHA-256
6d7fdf1e7eaf9078b33a498be966163e07e368949dbbdf3736527842c51f7567, retrieved 2026-09-29.
Credit unions are federally insured by the NCUA, not the FDIC, and file the NCUA 5300 Call Report rather than the bank Call Report. This page shows the NCUA 5300 core set only; bank-specific data such as FDIC certificate, deposit-market share and branch history is not available for credit unions. See coverage and methodology.