Ballston Spa, NY · Charter 12957
NCUA · 4 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
15
Asset Quality
50
Profitability
30
Liquidity
51
Efficiency
24
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.
Ballston Spa, NY · Charter 12957
NCUA · 4 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 | 0.14% | 0.15% | 0.29% | 0.41% | 0.54% | 0.51% | 0.39% | 0.34% | -7 bps | |
| Return on Equity | 1.55% | 1.67% | 3.10% | 4.38% | 5.60% | 5.36% | 4.11% | 3.60% | -78 bps | |
| Net Interest Margin | 2.74% | 2.89% | 3.14% | 3.23% | 3.33% | 3.35% | 3.48% | 3.50% | +27 bps | |
| Efficiency Ratio | 94.46% | 93.96% | 90.33% | 87.94% | 82.88% | 83.17% | 87.87% | 87.42% | -52 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.95% | -2.12% | -4.96% | -5.14% | -3.92% | 1.38% | 3.64% | 4.05% | +919 bps | |
| Loan Growth (YoY) | -1.83% | -1.84% | -2.04% | -3.47% | -3.85% | -2.59% | -3.12% | -1.42% | +205 bps | |
| Share Growth (YoY) | -3.04% | -1.66% | 4.54% | 8.27% | 7.91% | 9.10% | 6.01% | 2.18% | -609 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.34% | 0.21% | 0.25% | 0.32% | 0.44% | 0.25% | 0.65% | +41 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 | 8.84% | 9.20% | 9.34% | 9.39% | 9.60% | 9.54% | 9.49% | 9.45% | +6 bps | |
| Net Worth / Assets | 8.84% | 9.20% | 9.34% | 9.39% | 9.60% | 9.54% | 9.49% | 9.45% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.20% | 94.56% | 88.23% | 83.39% | 85.71% | 84.43% | 80.62% | 80.46% | -293 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ballston Spa, NY · Charter 12957 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
0.34%
Rank 1,275 of 1,683
Net Interest Margin
3.50%
Rank 1,125 of 1,683
Efficiency Ratio
87.43%
Rank 1,282 of 1,682
Equity / Assets
9.45%
Rank 1,434 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.34% | 0.35% | 0.74% | 1.18% | Beats 24% | 1,275 / 1,683 | ||
| Return on Equity | 3.60% | 2.67% | 5.89% | 8.74% | Beats 32% | 1,140 / 1,681 | ||
| Net Interest Margin | 3.50% | 3.31% | 3.82% | 4.32% | Beats 33% | 1,125 / 1,683 | ||
| Efficiency Ratio | 87.43% | 68.91% | 78.20% | 86.93% | Beats 24% | 1,282 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.65% | 0.26% | 0.65% | 1.29% | Beats 50% | 842 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.45% | 10.44% | 12.89% | 16.53% | Beats 15% | 1,434 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.45% | 10.44% | 12.89% | 16.53% | Beats 15% | 1,434 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.46% | 52.61% | 69.38% | 83.50% | 70th pctl | 502 / 1,683 | ||
| Loans / Assets | 72.75% | 44.71% | 59.18% | 70.72% | 80th pctl | 343 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||