Plattsburgh, NY · Charter 12473
NCUA · 5 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 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
63
Asset Quality
64
Profitability
56
Liquidity
39
Efficiency
51
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.
Plattsburgh, NY · Charter 12473
NCUA · 5 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 | 1.03% | 1.11% | 0.98% | 1.10% | 1.14% | 1.19% | 1.10% | 1.11% | +2 bps | |
| Return on Equity | 7.82% | 8.02% | 7.16% | 8.01% | 8.00% | 8.29% | 7.67% | 7.64% | -37 bps | |
| Net Interest Margin | 3.42% | 3.56% | 3.57% | 3.57% | 3.71% | 3.74% | 3.80% | 3.87% | +30 bps | |
| Efficiency Ratio | 75.80% | 75.40% | 75.99% | 74.48% | 74.07% | 72.17% | 74.50% | 74.14% | -33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.00% | -1.59% | 1.12% | 3.53% | 1.21% | 5.09% | 4.56% | 2.28% | -125 bps | |
| Loan Growth (YoY) | -0.30% | -2.38% | -2.68% | -0.26% | 0.87% | 3.70% | 4.03% | 1.73% | +199 bps | |
| Share Growth (YoY) | 5.52% | -0.17% | 1.38% | 4.99% | 2.19% | 6.04% | 5.92% | 3.14% | -185 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.37% | 0.39% | 0.38% | 0.54% | 0.51% | 0.51% | 0.51% | +14 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 | 13.19% | 13.83% | 13.69% | 13.68% | 14.19% | 14.35% | 14.30% | 14.55% | +87 bps | |
| Net Worth / Assets | 13.19% | 13.83% | 13.69% | 13.68% | 14.19% | 14.35% | 14.30% | 14.55% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.11% | 80.13% | 77.17% | 76.21% | 79.07% | 78.36% | 75.79% | 75.17% | -104 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Plattsburgh, NY · Charter 12473 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 5 branches
Q2 2026
Return on Assets
1.11%
Rank 24 of 59
Net Interest Margin
3.87%
Rank 21 of 59
Efficiency Ratio
74.15%
Rank 30 of 59
Equity / Assets
14.55%
Rank 22 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.11% | 0.28% | 1.01% | 1.42% | Beats 59% | 24 / 59 | ||
| Return on Equity | 7.64% | 2.31% | 7.92% | 10.52% | Beats 46% | 32 / 59 | ||
| Net Interest Margin | 3.87% | 3.24% | 3.66% | 4.04% | Beats 64% | 21 / 59 | ||
| Efficiency Ratio | 74.15% | 63.53% | 74.15% | 82.44% | Beats 51% | 30 / 59 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.51% | 0.32% | 0.68% | 1.20% | Beats 64% | 22 / 59 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.55% | 10.94% | 13.05% | 16.06% | Beats 63% | 22 / 59 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.55% | 10.94% | 13.05% | 16.06% | Beats 63% | 22 / 59 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.17% | 40.49% | 57.59% | 78.86% | 73rd pctl | 16 / 59 | ||
| Loans / Assets | 64.28% | 33.06% | 50.92% | 63.03% | 78th pctl | 13 / 59 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||