Ontario Shores
Newfane, NY · Charter 14462 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 5 branches
Q2 2026
$208.4MAssets
$92.9MLoans
$185.0MShares
$22.2MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 68% of credit unions under $1B in assets in NY (rank 19 of 59).
- Widest gap: equity / assets trails 85% of credit unions under $1B in assets in NY (rank 50 of 59).
- Overall: at or above the peer median on 2 of 7 directional measures.
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 |