PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Niagara-Wheatfield

Sanborn, NY · Charter 14040

NCUA · 1 branch

Q2 2026

$21.4MAssets
$9.3MLoans
$19.1MShares
$2.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.84%, down 16 bps year over year; NIM at 3.65%.
  • Asset quality: problem loans at 4.03% of loans (+278 bps YoY).
  • Capital: net worth / assets of 10.72%, up 114 bps from a year ago.
  • Funding: loans stand at 48.80% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.84%-16 bps YoY

Net Interest Margin (YTD, annualized)

3.65%+32 bps YoY

Efficiency Ratio (YTD, annualized)

77.63%+677 bps YoY

Net Worth / Assets

10.72%+114 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%1.15%1.21%1.22%0.84%-16 bps
Return on Equity10.46%11.35%11.70%11.53%7.86%-260 bps
Net Interest Margin3.34%3.52%3.59%4.04%3.65%+32 bps
Efficiency Ratio70.86%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 / Loans1.25%0.83%1.96%4.75%4.03%+278 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.58%10.16%10.37%10.57%10.72%+114 bps
Net Worth / Assets9.58%10.16%10.37%10.57%10.72%+114 bps
Liquidity & Funding
Loans / Shares54.23%55.00%53.22%50.75%48.80%-543 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps