Lockport, NY · Charter 11723
NCUA · 6 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
2
Asset Quality
17
Profitability
51
Liquidity
23
Efficiency
28
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.
Lockport, NY · Charter 11723
NCUA · 6 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 | 0.09% | 0.17% | 0.20% | 0.48% | 0.59% | +49 bps | |
| Return on Equity | 1.23% | 2.34% | 2.65% | 6.36% | 7.68% | +646 bps | |
| Net Interest Margin | 3.40% | 3.51% | 3.53% | 3.63% | 3.70% | +30 bps | |
| Efficiency Ratio | 85.98% | 85.48% | 86.71% | 89.04% | 87.21% | +122 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.74% | 8.83% | 7.56% | 4.83% | 3.30% | -844 bps | |
| Loan Growth (YoY) | 15.80% | 9.66% | 7.89% | 8.28% | 7.20% | -860 bps | |
| Share Growth (YoY) | 11.54% | 9.05% | 6.80% | 4.02% | 2.61% | -893 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.27% | 0.40% | 1.63% | 1.42% | 2.04% | +176 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 | 7.41% | 7.47% | 7.49% | 7.48% | 7.62% | +21 bps | |
| Net Worth / Assets | 7.41% | 7.47% | 7.49% | 7.48% | 7.62% | +21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.36% | 72.15% | 73.36% | 73.21% | 75.60% | +323 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lockport, NY · Charter 11723 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 6 branches
Q2 2026
Return on Assets
0.59%
Rank 41 of 60
Net Interest Margin
3.70%
Rank 25 of 60
Efficiency Ratio
87.21%
Rank 44 of 60
Equity / Assets
7.62%
Rank 59 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.59% | 0.35% | 0.84% | 1.37% | Beats 32% | 41 / 60 | |
| Return on Equity | 7.68% | 2.76% | 6.36% | 10.04% | Beats 63% | 22 / 60 | |
| Net Interest Margin | 3.70% | 3.02% | 3.63% | 4.05% | Beats 58% | 25 / 60 | |
| Efficiency Ratio | 87.21% | 67.68% | 77.48% | 89.33% | Beats 28% | 44 / 60 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.04% | 0.32% | 0.64% | 1.44% | Beats 17% | 51 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 7.62% | 10.72% | 13.16% | 17.68% | Beats 2% | 59 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 7.62% | 10.72% | 13.16% | 17.68% | Beats 2% | 59 / 60 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.59% | 43.79% | 55.03% | 72.55% | 85th pctl | 9 / 60 | |
| Loans / Assets | 69.56% | 36.50% | 47.22% | 58.67% | 88th pctl | 7 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||