Amherst, NY · Charter 11470
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 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
53
Asset Quality
25
Profitability
80
Liquidity
95
Efficiency
83
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.
Amherst, NY · Charter 11470
NCUA · 1 branch
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 | 1.82% | 1.93% | 1.84% | 1.38% | 1.61% | -21 bps | |
| Return on Equity | 15.36% | 15.37% | 14.55% | 10.59% | 12.13% | -323 bps | |
| Net Interest Margin | 3.92% | 4.01% | 3.86% | 3.75% | 3.76% | -16 bps | |
| Efficiency Ratio | 60.53% | 59.24% | 59.62% | 63.73% | 61.36% | +83 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.39% | 1.80% | 5.28% | 2.50% | 2.41% | +202 bps | |
| Loan Growth (YoY) | -3.23% | -2.23% | -2.10% | -0.36% | 0.75% | +399 bps | |
| Share Growth (YoY) | -1.67% | -0.12% | 3.79% | 0.82% | 0.71% | +239 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.11% | 1.47% | 0.49% | 0.54% | 1.44% | +33 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 | 11.84% | 12.58% | 12.65% | 13.03% | 13.29% | +145 bps | |
| Net Worth / Assets | 11.84% | 12.58% | 12.65% | 13.03% | 13.29% | +145 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.52% | 55.23% | 53.26% | 53.23% | 53.54% | +2 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Amherst, NY · Charter 11470 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 1 branch
Q2 2026
Return on Assets
1.61%
Rank 7 of 60
Net Interest Margin
3.76%
Rank 22 of 60
Efficiency Ratio
61.31%
Rank 11 of 60
Equity / Assets
13.29%
Rank 28 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.61% | 0.35% | 0.84% | 1.37% | Beats 88% | 7 / 60 | |
| Return on Equity | 12.14% | 2.76% | 6.36% | 10.04% | Beats 88% | 7 / 60 | |
| Net Interest Margin | 3.76% | 3.02% | 3.63% | 4.05% | Beats 63% | 22 / 60 | |
| Efficiency Ratio | 61.31% | 67.68% | 77.48% | 89.33% | Beats 83% | 11 / 60 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.44% | 0.32% | 0.64% | 1.44% | Beats 25% | 46 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.29% | 10.72% | 13.16% | 17.68% | Beats 53% | 28 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.29% | 10.72% | 13.16% | 17.68% | Beats 53% | 28 / 60 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 53.54% | 43.79% | 55.03% | 72.55% | 47th pctl | 32 / 60 | |
| Loans / Assets | 46.35% | 36.50% | 47.22% | 58.67% | 45th pctl | 33 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||