Gloversville, NY · Charter 10746
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 NY (n=59). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
76
Asset Quality
78
Profitability
44
Liquidity
5
Efficiency
8
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.
Gloversville, NY · Charter 10746
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.41% | -1.64% | 4.03% | 2.28% | 2.11% | 1.53% | 0.93% | 0.26% | -202 bps | |
| Return on Equity | -16.83% | -11.10% | 26.01% | 14.48% | 12.90% | 9.31% | 5.72% | 1.63% | -1,285 bps | |
| Net Interest Margin | 5.52% | 5.51% | 4.94% | 4.92% | 4.96% | 4.93% | 4.43% | 4.49% | -43 bps | |
| Efficiency Ratio | 75.61% | 76.53% | 85.48% | 89.29% | 94.87% | 95.71% | 98.14% | 101.23% | +1,194 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.86% | -16.41% | -12.01% | -11.92% | -1.64% | -1.41% | -0.59% | 1.30% | +1,322 bps | |
| Loan Growth (YoY) | -9.76% | -8.92% | -10.34% | -7.30% | 0.88% | -10.44% | -2.22% | 0.69% | +799 bps | |
| Share Growth (YoY) | -19.16% | -17.75% | -15.71% | -15.39% | -4.56% | -3.28% | -1.49% | 1.00% | +1,639 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.57% | 2.72% | 0.00% | 0.69% | 0.44% | 0.80% | 0.17% | 0.28% | -40 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.20% | 6.23% | 3.10% | 3.05% | 1.06% | 1.54% | 0.62% | 0.83% | -222 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.34% | 14.74% | 15.51% | 15.77% | 16.36% | 16.49% | 16.32% | 16.06% | +28 bps | |
| Net Worth / Assets | 14.34% | 14.74% | 15.51% | 15.77% | 16.36% | 16.49% | 16.32% | 16.06% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.90% | 30.89% | 30.09% | 29.86% | 30.55% | 28.60% | 29.87% | 29.77% | -9 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Gloversville, NY · Charter 10746 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 1 branch
Q2 2026
Return on Assets
0.28%
Rank 45 of 59
Net Interest Margin
4.49%
Rank 7 of 59
Efficiency Ratio
102.04%
Rank 55 of 59
Equity / Assets
16.06%
Rank 14 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.28% | 0.28% | 1.01% | 1.42% | Beats 24% | 45 / 59 | ||
| Return on Equity | 1.73% | 2.31% | 7.92% | 10.52% | Beats 19% | 48 / 59 | ||
| Net Interest Margin | 4.49% | 3.24% | 3.66% | 4.04% | Beats 88% | 7 / 59 | ||
| Efficiency Ratio | 102.04% | 63.53% | 74.15% | 82.44% | Beats 8% | 55 / 59 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.28% | 0.32% | 0.68% | 1.20% | Beats 78% | 14 / 59 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.06% | 10.94% | 13.05% | 16.06% | Beats 76% | 14 / 59 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.06% | 10.94% | 13.05% | 16.06% | Beats 76% | 14 / 59 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 29.78% | 40.49% | 57.59% | 78.86% | 14th pctl | 51 / 59 | ||
| Loans / Assets | 24.79% | 33.06% | 50.92% | 63.03% | 12th pctl | 52 / 59 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||