Newfane, NY · Charter 14462
NCUA · 5 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 in NY (n=59). 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
31
Profitability
45
Liquidity
75
Efficiency
56
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.
Newfane, NY · Charter 14462
NCUA · 5 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 | 1.01% | 1.10% | 1.03% | 1.01% | 0.93% | 0.92% | 0.98% | 0.99% | -2 bps | |
| Return on Equity | 9.07% | 9.88% | 9.45% | 9.40% | 8.60% | 8.51% | 9.12% | 9.28% | -12 bps | |
| Net Interest Margin | 3.06% | 3.12% | 3.21% | 3.09% | 3.09% | 3.08% | 3.18% | 3.19% | +10 bps | |
| Efficiency Ratio | 70.80% | 69.14% | 72.11% | 70.94% | 73.03% | 73.44% | 73.03% | 73.05% | +211 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.73% | 9.50% | 11.64% | 23.64% | 23.59% | 23.20% | 21.66% | 10.33% | -1,332 bps | |
| Loan Growth (YoY) | 3.30% | 4.16% | 2.57% | 7.96% | 9.65% | 6.13% | 7.36% | 2.63% | -533 bps | |
| Share Growth (YoY) | 7.38% | 9.34% | 11.80% | 24.14% | 24.11% | 23.84% | 22.04% | 10.48% | -1,367 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.54% | 0.37% | 0.69% | 0.94% | 1.00% | 0.97% | 1.16% | +47 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 | 11.11% | 11.13% | 10.94% | 10.76% | 10.81% | 10.79% | 10.73% | 10.65% | -10 bps | |
| Net Worth / Assets | 11.11% | 11.13% | 10.94% | 10.76% | 10.81% | 10.79% | 10.73% | 10.65% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.75% | 60.88% | 57.49% | 54.03% | 54.55% | 52.17% | 50.57% | 50.20% | -384 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Newfane, NY · Charter 14462 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 5 branches
Q2 2026
Return on Assets
0.99%
Rank 31 of 59
Net Interest Margin
3.19%
Rank 47 of 59
Efficiency Ratio
73.06%
Rank 27 of 59
Equity / Assets
10.65%
Rank 50 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.99% | 0.28% | 1.01% | 1.42% | Beats 47% | 31 / 59 | ||
| Return on Equity | 9.28% | 2.31% | 7.92% | 10.52% | Beats 68% | 19 / 59 | ||
| Net Interest Margin | 3.19% | 3.24% | 3.66% | 4.04% | Beats 20% | 47 / 59 | ||
| Efficiency Ratio | 73.06% | 63.53% | 74.15% | 82.44% | Beats 56% | 27 / 59 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.16% | 0.32% | 0.68% | 1.20% | Beats 31% | 42 / 59 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.65% | 10.94% | 13.05% | 16.06% | Beats 15% | 50 / 59 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.65% | 10.94% | 13.05% | 16.06% | Beats 15% | 50 / 59 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 50.20% | 40.49% | 57.59% | 78.86% | 39th pctl | 36 / 59 | ||
| Loans / Assets | 44.56% | 33.06% | 50.92% | 63.03% | 42nd pctl | 34 / 59 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||