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Boulevard

Amherst, NY · Charter 11640

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area3

Basis

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.

Peer group

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.

Peer standing

Capital

58

Q2 2024Q2 2026peer median (50)

Asset Quality

42

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

61

Q2 2024Q2 2026peer median

Efficiency

53

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Boulevard

Amherst, NY · Charter 11640

NCUA · 2 branches

Q2 2026

$45.2MAssets
$17.8MLoans
$38.8MShares
$6.4MNet 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 0.88%, down 6 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.74% of loans (+51 bps YoY).
  • Capital: net worth / assets of 14.06%, up 5 bps from a year ago.
  • Funding: loans stand at 45.96% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.88%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.66%-5 bps YoY

Efficiency Ratio (YTD, annualized)

74.94%+419 bps YoY

Net Worth / Assets

14.06%+5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%0.92%0.72%0.65%0.88%-6 bps
Return on Equity6.68%6.47%5.21%4.74%6.23%-45 bps
Net Interest Margin3.71%3.81%3.68%3.62%3.66%-5 bps
Efficiency Ratio70.75%74.00%76.44%74.51%74.94%+419 bps
Growth
Asset Growth (YoY)0.49%0.97%5.27%3.99%4.23%+374 bps
Loan Growth (YoY)0.11%-4.10%-0.66%-1.58%1.12%+101 bps
Share Growth (YoY)-0.46%0.30%5.21%4.07%4.03%+449 bps
Asset Quality
Delinquent Loans / Loans0.24%0.20%0.52%1.03%0.74%+51 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 Capital14.01%14.29%13.80%13.71%14.06%+5 bps
Net Worth / Assets14.01%14.29%13.80%13.71%14.06%+5 bps
Liquidity & Funding
Loans / Shares47.28%47.16%46.99%44.40%45.96%-132 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Boulevard

Amherst, NY · Charter 11640 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)

NCUA · 2 branches

Q2 2026

$45.2MAssets
$17.8MLoans
$38.8MShares
$6.4MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 58% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 25 of 60).
  • Widest gap: nonperforming loans / loans trails 58% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 36 of 60).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

0.88%

Rank 28 of 60

Net Interest Margin

3.66%

Rank 27 of 60

Efficiency Ratio

75.00%

Rank 29 of 60

Equity / Assets

14.06%

Rank 25 of 60

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.88%0.35%0.84%1.37%Beats 53%28 / 60
Return on Equity6.23%2.76%6.36%10.04%Beats 47%32 / 60
Net Interest Margin3.66%3.02%3.63%4.05%Beats 55%27 / 60
Efficiency Ratio75.00%67.68%77.48%89.33%Beats 53%29 / 60
Asset Quality
Nonperforming Loans / Loans0.75%0.32%0.64%1.44%Beats 42%36 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.06%10.72%13.16%17.68%Beats 58%25 / 60
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.06%10.72%13.16%17.68%Beats 58%25 / 60
Liquidity & Funding
Loans / Deposits45.96%43.79%55.03%72.55%28th pctl43 / 60
Loans / Assets39.41%36.50%47.22%58.67%30th pctl42 / 60
Brokered Deposits / Depositsn/aNot reported for this institution