Circuit
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
$11.5MAssets
$7.5MLoans
$9.9MShares
$1.5MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 95% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 3 of 60).
- Widest gap: efficiency ratio trails 92% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 56 of 60).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 | 8-Qtr Trend | 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 |