Le Roy, NY · Charter 12170
NCUA · 1 branch
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 NY (n=59). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
34
Asset Quality
75
Profitability
86
Liquidity
14
Efficiency
85
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.
Le Roy, NY · Charter 12170
NCUA · 1 branch
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 | 1.95% | 1.97% | 1.71% | 2.01% | 1.97% | +2 bps | |
| Return on Equity | 19.06% | 18.34% | 16.20% | 18.73% | 17.21% | -185 bps | |
| Net Interest Margin | 3.91% | 3.97% | 3.85% | 3.88% | 3.96% | +5 bps | |
| Efficiency Ratio | 59.13% | 59.41% | 61.00% | 57.33% | 58.91% | -22 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.23% | 4.54% | 5.98% | 7.67% | 4.92% | +269 bps | |
| Loan Growth (YoY) | -4.77% | -1.75% | -6.89% | -10.98% | -14.97% | -1,020 bps | |
| Share Growth (YoY) | 0.45% | 2.90% | 4.71% | 6.47% | 3.54% | +310 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.32% | 2.15% | 2.03% | 2.01% | 0.37% | -195 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 | 10.24% | 10.76% | 10.58% | 10.71% | 11.44% | +120 bps | |
| Net Worth / Assets | 10.24% | 10.76% | 10.58% | 10.71% | 11.44% | +120 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.49% | 40.40% | 36.87% | 34.13% | 32.43% | -706 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Le Roy, NY · Charter 12170 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 1 branch
Q2 2026
Return on Assets
1.96%
Rank 3 of 59
Net Interest Margin
3.96%
Rank 20 of 59
Efficiency Ratio
58.81%
Rank 10 of 59
Equity / Assets
11.44%
Rank 39 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.96% | 0.28% | 1.01% | 1.42% | Beats 95% | 3 / 59 | |
| Return on Equity | 17.17% | 2.31% | 7.92% | 10.52% | Beats 98% | 1 / 59 | |
| Net Interest Margin | 3.96% | 3.24% | 3.66% | 4.04% | Beats 66% | 20 / 59 | |
| Efficiency Ratio | 58.81% | 63.53% | 74.15% | 82.44% | Beats 85% | 10 / 59 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.36% | 0.32% | 0.68% | 1.20% | Beats 75% | 16 / 59 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.44% | 10.94% | 13.05% | 16.06% | Beats 34% | 39 / 59 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.44% | 10.94% | 13.05% | 16.06% | Beats 34% | 39 / 59 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 32.42% | 40.49% | 57.59% | 78.86% | 19th pctl | 48 / 59 | |
| Loans / Assets | 28.67% | 33.06% | 50.92% | 63.03% | 19th pctl | 48 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||