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Lewiston Porter School Employees

Youngstown, NY · Charter 10728

NCUA · 1 branch

Q1 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in NY3

Basis

Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in NY (n=109). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

49

Q2 2024Q1 2025peer median (50)

Asset Quality

43

Q2 2024Q1 2025peer median (50)

Profitability

21

Q2 2024Q1 2025peer median (50)

Liquidity

68

Q2 2024Q1 2025peer median

Efficiency

40

Q2 2024Q1 2025peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Lewiston Porter School Employees

Youngstown, NY · Charter 10728

NCUA · 1 branch

Q1 2025

$14.4MAssets
$6.7MLoans
$12.7MShares
$1.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.45%, unchanged from a year ago; NIM at 2.43%.
  • Asset quality: problem loans at 0.74% of loans (-45 bps YoY).
  • Capital: net worth / assets of 11.51%, up 42 bps from a year ago.
  • Funding: loans stand at 52.24% of shares as of Q1 2025.

Financial Results

Return on Assets (YTD, annualized)

0.45%0 bps YoY

Net Interest Margin (YTD, annualized)

2.43%+15 bps YoY

Efficiency Ratio (YTD, annualized)

79.73%-172 bps YoY

Net Worth / Assets

11.51%+42 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets0.46%0.38%0.44%0.33%0.45%0 bps
Return on Equity4.12%3.32%3.72%2.86%3.93%-19 bps
Net Interest Margin2.28%2.34%2.39%2.29%2.43%+15 bps
Efficiency Ratio81.45%84.65%82.93%84.69%79.73%-172 bps
Growth
Asset Growth (YoY)-1.76%-6.09%-4.70%-4.17%-0.99%+77 bps
Loan Growth (YoY)9.51%2.50%1.55%3.39%1.60%-791 bps
Share Growth (YoY)-2.28%-7.13%-5.59%-5.01%-1.46%+82 bps
Asset Quality
Delinquent Loans / Loans1.19%1.20%4.10%3.98%0.74%-45 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.10%11.53%11.74%11.61%11.51%+42 bps
Net Worth / Assets11.10%11.53%11.74%11.61%11.51%+42 bps
Liquidity & Funding
Loans / Shares50.67%53.17%54.86%55.16%52.24%+157 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Lewiston Porter School Employees

Youngstown, NY · Charter 10728 · Peer group: credit unions under $1B in assets in NY (n=109)

NCUA · 1 branch

Q1 2025

$14.4MAssets
$6.7MLoans
$12.7MShares
$1.7MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 49% of credit unions under $1B in assets in NY (rank 56 of 109).
  • Widest gap: net interest margin trails 92% of credit unions under $1B in assets in NY (rank 100 of 109).
  • Overall: at or above the peer median on 0 of 7 directional measures.

Return on Assets

0.44%

Rank 78 of 109

Net Interest Margin

2.44%

Rank 100 of 109

Efficiency Ratio

79.57%

Rank 66 of 109

Equity / Assets

11.51%

Rank 56 of 109

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.44%0.36%0.84%1.30%Beats 28%78 / 109
Return on Equity3.86%3.10%6.81%10.90%Beats 28%79 / 109
Net Interest Margin2.44%3.06%3.52%4.06%Beats 8%100 / 109
Efficiency Ratio79.57%63.56%76.40%85.71%Beats 40%66 / 109
Asset Quality
Nonperforming Loans / Loans0.74%0.19%0.56%1.08%Beats 43%63 / 109
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.51%10.08%11.63%14.25%Beats 49%56 / 109
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.51%10.08%11.63%14.25%Beats 49%56 / 109
Liquidity & Funding
Loans / Deposits52.24%44.09%62.26%78.49%35th pctl71 / 109
Loans / Assets46.21%37.69%54.60%68.73%37th pctl69 / 109
Brokered Deposits / Depositsn/aNot reported for this institution