Spencerport, NY · Charter 14884
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 Rochester, NY area (n=16). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
13
Asset Quality
62
Profitability
65
Liquidity
49
Efficiency
75
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.
Spencerport, NY · Charter 14884
NCUA · 1 branch
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 | 0.88% | 0.82% | 0.53% | 0.77% | 0.79% | 0.76% | 0.74% | 0.99% | +23 bps | |
| Return on Equity | 10.31% | 9.75% | 6.35% | 8.98% | 8.98% | 8.16% | 8.18% | 10.71% | +173 bps | |
| Net Interest Margin | 3.67% | 3.60% | 3.41% | 3.81% | 3.94% | 3.88% | 3.78% | 3.86% | +5 bps | |
| Efficiency Ratio | 72.66% | 73.48% | 82.14% | 74.91% | 73.65% | 76.14% | 76.11% | 74.15% | -76 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.66% | 0.34% | 1.36% | 2.95% | 5.78% | 4.24% | 6.19% | 6.18% | +323 bps | |
| Loan Growth (YoY) | -4.59% | -8.14% | -3.39% | 5.35% | 6.81% | 10.71% | 6.46% | 2.74% | -261 bps | |
| Share Growth (YoY) | -7.03% | -0.52% | 0.23% | 2.05% | 5.21% | 3.16% | 5.59% | 5.64% | +359 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.67% | 0.96% | 0.81% | 1.67% | 1.79% | 0.74% | 0.49% | -33 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 | 8.57% | 8.43% | 8.35% | 8.53% | 8.81% | 9.30% | 9.10% | 9.27% | +73 bps | |
| Net Worth / Assets | 8.57% | 8.43% | 8.35% | 8.53% | 8.81% | 9.30% | 9.10% | 9.27% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.39% | 55.04% | 56.67% | 59.18% | 60.29% | 59.06% | 57.14% | 57.56% | -163 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Spencerport, NY · Charter 14884 · Peer group: credit unions under $1B in assets in the Rochester, NY area (n=16)
NCUA · 1 branch
Q2 2026
Return on Assets
0.99%
Rank 5 of 16
Net Interest Margin
3.86%
Rank 8 of 16
Efficiency Ratio
74.18%
Rank 5 of 16
Equity / Assets
9.27%
Rank 14 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.99% | 0.50% | 0.77% | 1.48% | Beats 69% | 5 / 16 | ||
| Return on Equity | 10.72% | 4.22% | 6.62% | 10.72% | Beats 75% | 4 / 16 | ||
| Net Interest Margin | 3.86% | 3.56% | 3.86% | 4.25% | Beats 50% | 8 / 16 | ||
| Efficiency Ratio | 74.18% | 74.18% | 80.46% | 85.46% | Beats 75% | 5 / 16 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.49% | 0.36% | 0.55% | 2.51% | Beats 62% | 7 / 16 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.27% | 9.57% | 11.10% | 14.62% | Beats 13% | 14 / 16 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.27% | 9.57% | 11.10% | 14.62% | Beats 13% | 14 / 16 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 57.56% | 57.16% | 70.70% | 77.55% | 31st pctl | 11 / 16 | ||
| Loans / Assets | 52.07% | 50.73% | 59.07% | 66.01% | 31st pctl | 11 / 16 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||