Depew, NY · Charter 11663
NCUA · 3 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
0
Asset Quality
10
Profitability
41
Liquidity
35
Efficiency
12
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.
Depew, NY · Charter 11663
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.30% | -0.93% | -0.61% | -0.46% | -0.15% | +115 bps | |
| Return on Equity | -17.36% | -11.90% | -7.98% | -6.08% | -1.92% | +1,544 bps | |
| Net Interest Margin | 4.55% | 4.90% | 4.78% | 4.88% | 4.96% | +41 bps | |
| Efficiency Ratio | 108.15% | 106.19% | 104.05% | 104.63% | 101.59% | -655 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.98% | -4.89% | -1.74% | -3.29% | -2.04% | +94 bps | |
| Loan Growth (YoY) | -1.79% | -1.36% | -0.50% | 2.12% | 3.49% | +528 bps | |
| Share Growth (YoY) | -1.44% | -4.32% | -1.24% | -3.06% | -2.18% | -74 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.29% | 2.16% | 2.27% | 2.04% | 2.85% | +156 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.48% | 7.80% | 7.61% | 7.54% | 7.61% | +13 bps | |
| Net Worth / Assets | 7.48% | 7.80% | 7.61% | 7.54% | 7.61% | +13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.57% | 72.02% | 69.42% | 70.41% | 72.55% | +398 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Depew, NY · Charter 11663 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 3 branches
Q2 2026
Return on Assets
-0.15%
Rank 52 of 60
Net Interest Margin
4.96%
Rank 2 of 60
Efficiency Ratio
101.57%
Rank 54 of 60
Equity / Assets
7.61%
Rank 60 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.15% | 0.35% | 0.84% | 1.37% | Beats 13% | 52 / 60 | |
| Return on Equity | -1.92% | 2.76% | 6.36% | 10.04% | Beats 12% | 53 / 60 | |
| Net Interest Margin | 4.96% | 3.02% | 3.63% | 4.05% | Beats 97% | 2 / 60 | |
| Efficiency Ratio | 101.57% | 67.68% | 77.48% | 89.33% | Beats 12% | 54 / 60 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.85% | 0.32% | 0.64% | 1.44% | Beats 10% | 55 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 7.61% | 10.72% | 13.16% | 17.68% | Beats 0% | 60 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 7.61% | 10.72% | 13.16% | 17.68% | Beats 0% | 60 / 60 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.55% | 43.79% | 55.03% | 72.55% | 75th pctl | 15 / 60 | |
| Loans / Assets | 66.88% | 36.50% | 47.22% | 58.67% | 87th pctl | 8 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||