Lyell
Rochester, NY · Charter 10220 · Peer group: credit unions under $1B in assets in the Rochester, NY area (n=17)
NCUA · 2 branches
Q4 2025
$10.1MAssets
$2.0MLoans
$6.9MShares
$3.2MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Rochester, NY area (rank 1 of 17).
- Widest gap: net interest margin trails 100% of credit unions under $1B in assets in the Rochester, NY area (rank 17 of 17).
- Overall: at or above the peer median on 3 of 6 directional measures.
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 | 8-Qtr Trend | 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 |