Irs Buffalo
Buffalo, NY · Charter 11524 · Peer group: credit unions under $1B in assets in NY (n=110-111)
NCUA · 2 branches
Q4 2024
$5.0MAssets
$3.8MLoans
$4.7MShares
$243KNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in NY (rank 12 of 111).
- Widest gap: equity / assets trails 100% of credit unions under $1B in assets in NY (rank 111 of 111).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
-0.34%
Rank 104 of 111
Net Interest Margin
5.01%
Rank 9 of 111
Efficiency Ratio
95.57%
Rank 103 of 110
Equity / Assets
4.85%
Rank 111 of 111
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.34% | 0.25% | 0.80% | 1.21% | Beats 6% | 104 / 111 | |
| Return on Equity | -7.00% | 2.48% | 6.09% | 9.70% | Beats 5% | 105 / 111 | |
| Net Interest Margin | 5.01% | 3.05% | 3.43% | 4.04% | Beats 92% | 9 / 111 | |
| Efficiency Ratio | 95.57% | 68.65% | 77.81% | 85.76% | Beats 7% | 103 / 110 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.28% | 0.66% | 1.45% | Beats 100% | 12 / 111 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 4.86% | 9.76% | 11.70% | 14.28% | Beats 0% | 111 / 111 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 4.85% | 9.75% | 11.71% | 14.28% | Beats 0% | 111 / 111 | |
| Liquidity & Funding |
| Loans / Deposits | 79.69% | 46.74% | 63.74% | 82.89% | 71st pctl | 32 / 111 | |
| Loans / Assets | 75.31% | 39.03% | 56.30% | 71.30% | 82nd pctl | 20 / 111 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |