Tonawanda, NY · Charter 10225
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, 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 Buffalo-Cheektowaga, NY area (n=60). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
90
Asset Quality
43
Profitability
64
Liquidity
29
Efficiency
30
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.
Tonawanda, NY · Charter 10225
NCUA · 1 branch
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.04% | 1.65% | 1.45% | -5.22% | 1.49% | -55 bps | |
| Return on Equity | 10.06% | 7.91% | 6.65% | -21.22% | 6.01% | -404 bps | |
| Net Interest Margin | 5.00% | 4.64% | 4.58% | 4.15% | 4.06% | -94 bps | |
| Efficiency Ratio | 59.56% | 64.63% | 68.43% | 81.61% | 82.06% | +2,250 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.79% | -0.04% | -3.73% | -9.79% | -12.97% | -1,119 bps | |
| Loan Growth (YoY) | 2.43% | -10.78% | -13.00% | -16.57% | -21.21% | -2,364 bps | |
| Share Growth (YoY) | -3.95% | -2.12% | -6.52% | -14.73% | -17.63% | -1,368 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.89% | 0.64% | 0.67% | 0.70% | 0.78% | -11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.01% | 2.23% | 2.33% | 0.00% | 0.00% | -301 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.27% | 20.85% | 21.83% | 24.61% | 24.70% | +444 bps | |
| Net Worth / Assets | 20.27% | 20.85% | 21.83% | 24.61% | 24.70% | +444 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.41% | 76.09% | 76.54% | 82.50% | 74.04% | -336 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tonawanda, NY · Charter 10225 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 1 branch
Q2 2026
Return on Assets
1.41%
Rank 13 of 60
Net Interest Margin
4.04%
Rank 16 of 60
Efficiency Ratio
85.00%
Rank 43 of 60
Equity / Assets
24.65%
Rank 6 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.41% | 0.35% | 0.84% | 1.37% | Beats 78% | 13 / 60 | |
| Return on Equity | 5.74% | 2.76% | 6.36% | 10.04% | Beats 40% | 36 / 60 | |
| Net Interest Margin | 4.04% | 3.02% | 3.63% | 4.05% | Beats 73% | 16 / 60 | |
| Efficiency Ratio | 85.00% | 67.68% | 77.48% | 89.33% | Beats 30% | 43 / 60 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.73% | 0.32% | 0.64% | 1.44% | Beats 43% | 35 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 24.65% | 10.72% | 13.16% | 17.68% | Beats 90% | 6 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 24.65% | 10.72% | 13.16% | 17.68% | Beats 90% | 6 / 60 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.12% | 43.79% | 55.03% | 72.55% | 82nd pctl | 11 / 60 | |
| Loans / Assets | 55.56% | 36.50% | 47.22% | 58.67% | 65th pctl | 21 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||