Hudson Falls, NY · Charter 11402
NCUA · 4 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
24
Asset Quality
54
Profitability
59
Liquidity
92
Efficiency
41
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.
Hudson Falls, NY · Charter 11402
NCUA · 4 branches
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 | 1.15% | 0.87% | 0.96% | 1.07% | 1.04% | 0.71% | 1.42% | 0.85% | -22 bps | |
| Return on Equity | 9.68% | 7.64% | 8.79% | 9.85% | 9.63% | 6.71% | 13.68% | 8.20% | -165 bps | |
| Net Interest Margin | 4.88% | 4.67% | 4.07% | 4.09% | 4.15% | 4.13% | 4.26% | 3.82% | -26 bps | |
| Efficiency Ratio | 80.75% | 82.82% | 74.54% | 73.36% | 74.93% | 78.52% | 71.60% | 81.15% | +779 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.80% | 10.61% | 13.47% | 13.38% | 19.95% | 16.40% | 14.53% | 11.21% | -218 bps | |
| Loan Growth (YoY) | 3.61% | 3.78% | 3.55% | 3.22% | 5.79% | 11.30% | 11.46% | 13.49% | +1,027 bps | |
| Share Growth (YoY) | 2.19% | 11.15% | 14.83% | 14.44% | 21.36% | 17.38% | 17.16% | 12.55% | -190 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.51% | 1.26% | 0.89% | 0.77% | 0.82% | 0.90% | 0.99% | 0.58% | -18 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.93% | 11.43% | 10.92% | 10.84% | 10.84% | 10.58% | 10.39% | 10.38% | -46 bps | |
| Net Worth / Assets | 11.93% | 11.43% | 10.92% | 10.84% | 10.84% | 10.58% | 10.39% | 10.38% | -46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.82% | 76.68% | 71.70% | 70.52% | 69.58% | 72.71% | 68.21% | 71.11% | +59 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hudson Falls, NY · Charter 11402 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
0.85%
Rank 731 of 1,683
Net Interest Margin
3.82%
Rank 844 of 1,683
Efficiency Ratio
81.19%
Rank 992 of 1,682
Equity / Assets
10.38%
Rank 1,271 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.85% | 0.35% | 0.74% | 1.18% | Beats 57% | 731 / 1,683 | ||
| Return on Equity | 8.20% | 2.67% | 5.89% | 8.74% | Beats 71% | 488 / 1,681 | ||
| Net Interest Margin | 3.82% | 3.31% | 3.82% | 4.32% | Beats 50% | 844 / 1,683 | ||
| Efficiency Ratio | 81.19% | 68.91% | 78.20% | 86.93% | Beats 41% | 992 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.58% | 0.26% | 0.65% | 1.29% | Beats 54% | 774 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.38% | 10.44% | 12.89% | 16.53% | Beats 24% | 1,271 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.38% | 10.44% | 12.89% | 16.53% | Beats 24% | 1,271 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.11% | 52.61% | 69.38% | 83.50% | 53rd pctl | 788 / 1,683 | ||
| Loans / Assets | 63.30% | 44.71% | 59.18% | 70.72% | 59th pctl | 688 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||