Rochester, NY · Charter 10220
NCUA · 2 branches
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Rochester, NY area (n=17). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
94
Asset Quality
100
Profitability
0
Liquidity
0
Efficiency
6
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Rochester, NY · Charter 10220
NCUA · 2 branches
Q4 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.58% | -1.41% | -1.83% | -2.06% | -17.13% | -1,555 bps | |
| Return on Equity | -3.96% | -3.41% | -4.19% | -4.71% | -54.32% | -5,036 bps | |
| Net Interest Margin | 2.23% | 2.41% | 2.79% | 2.90% | -4.88% | -711 bps | |
| Efficiency Ratio | 146.34% | 178.34% | 173.07% | 174.04% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -3.69% | -12.33% | -17.98% | -15.65% | -18.28% | -1,458 bps | |
| Loan Growth (YoY) | -21.28% | -10.09% | -10.50% | -10.53% | -6.10% | +1,517 bps | |
| Share Growth (YoY) | -3.60% | -17.90% | -26.96% | -23.69% | -7.11% | -351 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.47% | 0.10% | 0.05% | 0.64% | 0.06% | -41 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 39.77% | 41.23% | 43.69% | 43.69% | 31.53% | -823 bps | |
| Net Worth / Assets | 39.77% | 41.23% | 43.69% | 43.69% | 31.53% | -823 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 28.23% | 31.53% | 33.61% | 32.10% | 28.54% | +31 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Rochester, NY · Charter 10220 · Peer group: credit unions under $1B in assets in the Rochester, NY area (n=17)
NCUA · 2 branches
Q4 2025
Return on Assets
-17.13%
Rank 17 of 17
Net Interest Margin
-4.88%
Rank 17 of 17
Equity / Assets
31.54%
Rank 1 of 17
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -17.13% | 0.29% | 0.63% | 1.03% | Beats 0% | 17 / 17 | |
| Return on Equity | -54.30% | 2.60% | 5.54% | 8.69% | Beats 0% | 17 / 17 | |
| Net Interest Margin | -4.88% | 3.27% | 3.87% | 4.13% | Beats 0% | 17 / 17 | |
| Efficiency Ratio | n/a | Not reported for this institution | |||||
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.05% | 0.41% | 0.79% | 1.78% | Beats 100% | 1 / 17 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 31.53% | 9.82% | 11.38% | 13.86% | Beats 94% | 1 / 17 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 31.54% | 9.82% | 11.38% | 13.86% | Beats 94% | 1 / 17 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 28.54% | 55.15% | 67.99% | 77.90% | 0th pctl | 17 / 17 | |
| Loans / Assets | 19.53% | 47.32% | 57.60% | 65.12% | 0th pctl | 17 / 17 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||