PackageTrendsPeer
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Buffalo Police

Buffalo, NY · Charter 1157

NCUA · 1 branch

Q2 2026

$17.5MAssets
$9.8MLoans
$13.4MShares
$4.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.63%, down 50 bps year over year; NIM at 4.62%.
  • Asset quality: problem loans at 0.35% of loans (+27 bps YoY).
  • Capital: net worth / assets of 22.93%, up 145 bps from a year ago.
  • Funding: loans stand at 73.17% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.63%-50 bps YoY

Net Interest Margin (YTD, annualized)

4.62%-51 bps YoY

Efficiency Ratio (YTD, annualized)

56.08%+357 bps YoY

Net Worth / Assets

22.93%+145 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.13%3.04%3.03%2.46%2.63%-50 bps
Return on Equity14.58%14.43%13.78%11.08%11.48%-310 bps
Net Interest Margin5.13%4.97%5.03%4.60%4.62%-51 bps
Efficiency Ratio52.51%52.03%52.40%57.24%56.08%+357 bps
Growth
Asset Growth (YoY)-2.42%1.39%7.19%6.60%6.64%+906 bps
Loan Growth (YoY)4.70%3.22%2.30%-2.39%-6.94%-1,164 bps
Share Growth (YoY)-6.96%-2.03%4.73%4.47%4.58%+1,155 bps
Asset Quality
Delinquent Loans / Loans0.08%0.36%0.11%0.28%0.35%+27 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital21.48%21.10%22.00%22.18%22.93%+145 bps
Net Worth / Assets21.48%21.10%22.00%22.18%22.93%+145 bps
Liquidity & Funding
Loans / Shares82.23%78.86%77.14%73.73%73.17%-906 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps