Scotia, NY · Charter 10773
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
99
Asset Quality
100
Profitability
43
Liquidity
62
Efficiency
94
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.
Scotia, NY · Charter 10773
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 | 1.51% | 1.80% | 1.73% | 1.59% | 1.57% | +6 bps | |
| Return on Equity | 4.24% | 4.73% | 4.75% | 4.12% | 4.00% | -24 bps | |
| Net Interest Margin | 3.10% | 3.34% | 3.13% | 2.97% | 3.01% | -9 bps | |
| Efficiency Ratio | 53.03% | 47.77% | 46.50% | 48.51% | 49.35% | -368 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.23% | 10.60% | 10.01% | -0.19% | -4.79% | -2,102 bps | |
| Loan Growth (YoY) | 1.51% | 3.05% | -3.14% | 4.77% | -4.62% | -613 bps | |
| Share Growth (YoY) | 24.57% | 14.97% | 13.18% | -3.15% | -10.06% | -3,463 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.72% | 0.75% | 0.81% | 0.80% | 0.78% | +6 bps | |
| Capital | |||||||
| Risk-Based Capital | 35.69% | 38.01% | 36.34% | 38.49% | 39.30% | +362 bps | |
| Net Worth / Assets | 35.69% | 38.01% | 36.34% | 38.49% | 39.30% | +362 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.52% | 79.88% | 68.03% | 75.03% | 77.96% | +444 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Scotia, NY · Charter 10773 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
1.52%
Rank 236 of 1,683
Net Interest Margin
2.83%
Rank 1,531 of 1,683
Efficiency Ratio
53.85%
Rank 100 of 1,682
Equity / Assets
39.35%
Rank 15 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.52% | 0.35% | 0.74% | 1.18% | Beats 86% | 236 / 1,683 | |
| Return on Equity | 3.87% | 2.67% | 5.89% | 8.74% | Beats 34% | 1,112 / 1,681 | |
| Net Interest Margin | 2.83% | 3.31% | 3.82% | 4.32% | Beats 9% | 1,531 / 1,683 | |
| Efficiency Ratio | 53.85% | 68.91% | 78.20% | 86.93% | Beats 94% | 100 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 39.35% | 10.44% | 12.89% | 16.53% | Beats 99% | 15 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 39.35% | 10.44% | 12.89% | 16.53% | Beats 99% | 15 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.96% | 52.61% | 69.38% | 83.50% | 66th pctl | 575 / 1,683 | |
| Loans / Assets | 47.28% | 44.71% | 59.18% | 70.72% | 29th pctl | 1,192 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||