Springville, NY · Charter 14505
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
8
Asset Quality
53
Profitability
22
Liquidity
57
Efficiency
70
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.
Springville, NY · Charter 14505
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 | -0.08% | 0.06% | 0.21% | 0.23% | 0.39% | +47 bps | |
| Return on Equity | -0.87% | 0.64% | 2.22% | 2.44% | 4.37% | +524 bps | |
| Net Interest Margin | 1.48% | 1.54% | 1.67% | 1.89% | 1.75% | +27 bps | |
| Efficiency Ratio | 95.00% | 85.28% | 77.13% | 71.29% | 69.65% | -2,535 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.14% | 5.56% | 2.73% | -1.09% | 6.45% | +131 bps | |
| Loan Growth (YoY) | 4.45% | 11.40% | 0.93% | -11.24% | 0.65% | -380 bps | |
| Share Growth (YoY) | 5.61% | 6.12% | 2.73% | -1.49% | 6.66% | +105 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.95% | 1.11% | 0.67% | 0.66% | 0.56% | -140 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.37% | 0.45% | 0.38% | 0.60% | 0.56% | +19 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.15% | 9.32% | 9.47% | 9.57% | 8.96% | -19 bps | |
| Net Worth / Assets | 9.15% | 9.32% | 9.47% | 9.57% | 8.96% | -19 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.77% | 51.98% | 47.89% | 44.53% | 45.08% | -269 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Springville, NY · Charter 14505 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 1 branch
Q2 2026
Return on Assets
0.40%
Rank 43 of 60
Net Interest Margin
1.74%
Rank 60 of 60
Efficiency Ratio
68.97%
Rank 19 of 60
Equity / Assets
8.97%
Rank 55 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.40% | 0.35% | 0.84% | 1.37% | Beats 28% | 43 / 60 | |
| Return on Equity | 4.43% | 2.76% | 6.36% | 10.04% | Beats 37% | 38 / 60 | |
| Net Interest Margin | 1.74% | 3.02% | 3.63% | 4.05% | Beats 0% | 60 / 60 | |
| Efficiency Ratio | 68.97% | 67.68% | 77.48% | 89.33% | Beats 70% | 19 / 60 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.56% | 0.32% | 0.64% | 1.44% | Beats 53% | 29 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.97% | 10.72% | 13.16% | 17.68% | Beats 8% | 55 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.97% | 10.72% | 13.16% | 17.68% | Beats 8% | 55 / 60 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 45.09% | 43.79% | 55.03% | 72.55% | 27th pctl | 44 / 60 | |
| Loans / Assets | 41.00% | 36.50% | 47.22% | 58.67% | 35th pctl | 39 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||