Amherst, NY · Charter 11640
NCUA · 2 branches
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
58
Asset Quality
42
Profitability
52
Liquidity
61
Efficiency
53
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 11640
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.63% | 1.12% | 0.94% | 0.92% | 0.72% | 0.65% | 0.88% | -6 bps | |
| Return on Equity | 5.29% | 4.56% | 8.16% | 6.68% | 6.47% | 5.21% | 4.74% | 6.23% | -45 bps | |
| Net Interest Margin | 3.37% | 3.44% | 3.74% | 3.71% | 3.81% | 3.68% | 3.62% | 3.66% | -5 bps | |
| Efficiency Ratio | 76.47% | 77.91% | 70.12% | 70.75% | 74.00% | 76.44% | 74.51% | 74.94% | +419 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.28% | -0.04% | 0.44% | 0.49% | 0.97% | 5.27% | 3.99% | 4.23% | +374 bps | |
| Loan Growth (YoY) | 5.37% | 4.01% | 2.26% | 0.11% | -4.10% | -0.66% | -1.58% | 1.12% | +101 bps | |
| Share Growth (YoY) | -0.43% | -0.64% | -0.27% | -0.46% | 0.30% | 5.21% | 4.07% | 4.03% | +449 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.89% | 0.47% | 0.53% | 0.24% | 0.20% | 0.52% | 1.03% | 0.74% | +51 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.74% | 13.86% | 13.71% | 14.01% | 14.29% | 13.80% | 13.71% | 14.06% | +5 bps | |
| Net Worth / Assets | 13.74% | 13.86% | 13.71% | 14.01% | 14.29% | 13.80% | 13.71% | 14.06% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.32% | 49.77% | 46.95% | 47.28% | 47.16% | 46.99% | 44.40% | 45.96% | -132 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
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
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.88% | 0.35% | 0.84% | 1.37% | Beats 53% | 28 / 60 | ||
| Return on Equity | 6.23% | 2.76% | 6.36% | 10.04% | Beats 47% | 32 / 60 | ||
| Net Interest Margin | 3.66% | 3.02% | 3.63% | 4.05% | Beats 55% | 27 / 60 | ||
| Efficiency Ratio | 75.00% | 67.68% | 77.48% | 89.33% | Beats 53% | 29 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.75% | 0.32% | 0.64% | 1.44% | Beats 42% | 36 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.06% | 10.72% | 13.16% | 17.68% | Beats 58% | 25 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.06% | 10.72% | 13.16% | 17.68% | Beats 58% | 25 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 45.96% | 43.79% | 55.03% | 72.55% | 28th pctl | 43 / 60 | ||
| Loans / Assets | 39.41% | 36.50% | 47.22% | 58.67% | 30th pctl | 42 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||