Hamburg, NY · Charter 10684
NCUA · 3 branches
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
73
Asset Quality
80
Profitability
90
Liquidity
0
Efficiency
97
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.
Hamburg, NY · Charter 10684
NCUA · 3 branches
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 | 2.21% | 2.37% | 2.42% | 2.32% | 2.26% | +5 bps | |
| Return on Equity | 14.93% | 15.34% | 15.22% | 14.42% | 13.82% | -111 bps | |
| Net Interest Margin | 4.19% | 4.27% | 4.24% | 4.12% | 4.09% | -10 bps | |
| Efficiency Ratio | 48.80% | 48.73% | 48.61% | 52.10% | 51.79% | +299 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.00% | 7.98% | 7.76% | 5.82% | 5.98% | +99 bps | |
| Loan Growth (YoY) | 5.19% | 4.99% | 5.22% | 0.30% | -1.98% | -717 bps | |
| Share Growth (YoY) | 3.26% | 6.37% | 6.01% | 4.21% | 3.52% | +26 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.20% | 0.29% | 0.19% | 0.22% | 0.27% | +7 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 | 14.80% | 15.46% | 15.90% | 16.10% | 16.36% | +156 bps | |
| Net Worth / Assets | 14.80% | 15.46% | 15.90% | 16.10% | 16.36% | +156 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.25% | 91.23% | 89.74% | 85.56% | 86.41% | -485 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hamburg, NY · Charter 10684 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 3 branches
Q2 2026
Return on Assets
2.26%
Rank 2 of 60
Net Interest Margin
4.09%
Rank 14 of 60
Efficiency Ratio
51.80%
Rank 3 of 60
Equity / Assets
16.36%
Rank 16 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.26% | 0.35% | 0.84% | 1.37% | Beats 97% | 2 / 60 | |
| Return on Equity | 13.82% | 2.76% | 6.36% | 10.04% | Beats 95% | 3 / 60 | |
| Net Interest Margin | 4.09% | 3.02% | 3.63% | 4.05% | Beats 77% | 14 / 60 | |
| Efficiency Ratio | 51.80% | 67.68% | 77.48% | 89.33% | Beats 97% | 3 / 60 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.27% | 0.32% | 0.64% | 1.44% | Beats 80% | 13 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 16.36% | 10.72% | 13.16% | 17.68% | Beats 73% | 16 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 16.36% | 10.72% | 13.16% | 17.68% | Beats 73% | 16 / 60 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.41% | 43.79% | 55.03% | 72.55% | 90th pctl | 6 / 60 | |
| Loans / Assets | 70.60% | 36.50% | 47.22% | 58.67% | 92nd pctl | 5 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||