Sanborn, NY · Charter 14040
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
25
Asset Quality
7
Profitability
56
Liquidity
74
Efficiency
50
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.
Sanborn, NY · Charter 14040
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 | 1.00% | 1.15% | 1.21% | 1.22% | 0.84% | -16 bps | |
| Return on Equity | 10.46% | 11.35% | 11.70% | 11.53% | 7.86% | -260 bps | |
| Net Interest Margin | 3.34% | 3.52% | 3.59% | 4.04% | 3.65% | +32 bps | |
| Efficiency Ratio | 70.86% | 68.17% | 67.19% | 70.78% | 77.63% | +677 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.49% | -5.45% | 0.20% | -1.06% | -0.18% | +231 bps | |
| Loan Growth (YoY) | -2.93% | -6.52% | -6.12% | -7.52% | -11.36% | -843 bps | |
| Share Growth (YoY) | -3.34% | -3.83% | -1.26% | -3.01% | -1.51% | +183 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.25% | 0.83% | 1.96% | 4.75% | 4.03% | +278 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 | 9.58% | 10.16% | 10.37% | 10.57% | 10.72% | +114 bps | |
| Net Worth / Assets | 9.58% | 10.16% | 10.37% | 10.57% | 10.72% | +114 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.23% | 55.00% | 53.22% | 50.75% | 48.80% | -543 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sanborn, NY · Charter 14040 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 1 branch
Q2 2026
Return on Assets
0.84%
Rank 30 of 60
Net Interest Margin
3.66%
Rank 28 of 60
Efficiency Ratio
77.48%
Rank 31 of 60
Equity / Assets
10.72%
Rank 45 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.84% | 0.35% | 0.84% | 1.37% | Beats 50% | 30 / 60 | |
| Return on Equity | 7.85% | 2.76% | 6.36% | 10.04% | Beats 65% | 21 / 60 | |
| Net Interest Margin | 3.66% | 3.02% | 3.63% | 4.05% | Beats 53% | 28 / 60 | |
| Efficiency Ratio | 77.48% | 67.68% | 77.48% | 89.33% | Beats 50% | 31 / 60 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 4.04% | 0.32% | 0.64% | 1.44% | Beats 7% | 57 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.72% | 10.72% | 13.16% | 17.68% | Beats 25% | 45 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.72% | 10.72% | 13.16% | 17.68% | Beats 25% | 45 / 60 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 48.80% | 43.79% | 55.03% | 72.55% | 35th pctl | 39 / 60 | |
| Loans / Assets | 43.67% | 36.50% | 47.22% | 58.67% | 42nd pctl | 35 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||