Cheektowaga, NY · Charter 12912
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 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
52
Asset Quality
67
Profitability
39
Liquidity
24
Efficiency
8
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.
Cheektowaga, NY · Charter 12912
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 | -0.33% | -0.26% | -0.47% | -0.26% | -0.19% | +15 bps | |
| Return on Equity | -2.58% | -2.04% | -3.45% | -2.00% | -1.43% | +116 bps | |
| Net Interest Margin | 4.37% | 4.39% | 4.73% | 4.63% | 4.68% | +31 bps | |
| Efficiency Ratio | 93.44% | 97.27% | 104.38% | 111.26% | 109.95% | +1,651 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.95% | 6.11% | -9.11% | -3.29% | -4.90% | -1,185 bps | |
| Loan Growth (YoY) | -10.53% | -5.36% | -5.22% | -3.10% | -1.21% | +932 bps | |
| Share Growth (YoY) | 8.45% | 7.89% | -9.96% | -3.58% | -5.22% | -1,367 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.23% | 0.00% | 0.62% | 0.39% | +39 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 | 12.96% | 12.87% | 13.53% | 13.15% | 13.25% | +29 bps | |
| Net Worth / Assets | 12.96% | 12.87% | 13.53% | 13.15% | 13.25% | +29 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.29% | 72.66% | 76.30% | 75.68% | 75.34% | +306 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cheektowaga, NY · Charter 12912 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.19%
Rank 54 of 60
Net Interest Margin
4.69%
Rank 3 of 60
Efficiency Ratio
109.62%
Rank 56 of 60
Equity / Assets
13.25%
Rank 29 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.19% | 0.35% | 0.84% | 1.37% | Beats 10% | 54 / 60 | |
| Return on Equity | -1.45% | 2.76% | 6.36% | 10.04% | Beats 13% | 52 / 60 | |
| Net Interest Margin | 4.69% | 3.02% | 3.63% | 4.05% | Beats 95% | 3 / 60 | |
| Efficiency Ratio | 109.62% | 67.68% | 77.48% | 89.33% | Beats 8% | 56 / 60 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.39% | 0.32% | 0.64% | 1.44% | Beats 67% | 21 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.25% | 10.72% | 13.16% | 17.68% | Beats 52% | 29 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.25% | 10.72% | 13.16% | 17.68% | Beats 52% | 29 / 60 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.35% | 43.79% | 55.03% | 72.55% | 83rd pctl | 10 / 60 | |
| Loans / Assets | 65.35% | 36.50% | 47.22% | 58.67% | 85th pctl | 9 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||