Niagara-Wheatfield
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
$21.4MAssets
$9.3MLoans
$19.1MShares
$2.3MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 65% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 21 of 60).
- Widest gap: nonperforming loans / loans trails 93% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 57 of 60).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 |