Sweet Home
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
$45.4MAssets
$21.0MLoans
$39.3MShares
$6.0MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 88% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 7 of 60).
- Widest gap: nonperforming loans / loans trails 75% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 46 of 60).
- Overall: at or above the peer median on 6 of 7 directional measures.
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 |