Buffalo, NY · Charter 15021
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 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
48
Asset Quality
37
Profitability
21
Liquidity
98
Efficiency
40
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.
Buffalo, NY · Charter 15021
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 | 0.34% | 0.34% | 0.31% | 0.31% | 0.31% | 0.31% | 0.32% | 0.35% | +4 bps | |
| Return on Equity | 2.95% | 2.91% | 2.58% | 2.56% | 2.60% | 2.56% | 2.60% | 2.76% | +20 bps | |
| Net Interest Margin | 2.33% | 2.39% | 2.43% | 2.47% | 2.48% | 2.49% | 2.67% | 2.73% | +26 bps | |
| Efficiency Ratio | 70.89% | 72.33% | 82.51% | 79.98% | 81.23% | 82.54% | 78.52% | 79.42% | -56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.29% | 2.49% | 1.68% | -0.50% | -1.72% | 0.28% | -2.23% | -3.43% | -293 bps | |
| Loan Growth (YoY) | 4.15% | 1.45% | -0.03% | 0.88% | 2.49% | 1.55% | 2.84% | -1.76% | -264 bps | |
| Share Growth (YoY) | 7.11% | 2.65% | 1.68% | -0.86% | -2.28% | -0.02% | -2.97% | -4.34% | -348 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.90% | 0.88% | 0.85% | 1.05% | 1.58% | 2.01% | 0.79% | 0.89% | -16 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 | 11.55% | 11.84% | 11.92% | 12.04% | 12.07% | 12.12% | 12.51% | 12.80% | +77 bps | |
| Net Worth / Assets | 11.55% | 11.84% | 11.92% | 12.04% | 12.07% | 12.12% | 12.51% | 12.80% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.51% | 52.63% | 51.59% | 52.82% | 54.03% | 53.46% | 54.68% | 54.25% | +143 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Buffalo, NY · Charter 15021 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 5 branches
Q2 2026
Return on Assets
0.35%
Rank 45 of 60
Net Interest Margin
2.73%
Rank 53 of 60
Efficiency Ratio
79.36%
Rank 37 of 60
Equity / Assets
12.80%
Rank 31 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.35% | 0.35% | 0.84% | 1.37% | Beats 25% | 45 / 60 | ||
| Return on Equity | 2.76% | 2.76% | 6.36% | 10.04% | Beats 25% | 45 / 60 | ||
| Net Interest Margin | 2.73% | 3.02% | 3.63% | 4.05% | Beats 12% | 53 / 60 | ||
| Efficiency Ratio | 79.36% | 67.68% | 77.48% | 89.33% | Beats 40% | 37 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.89% | 0.32% | 0.64% | 1.44% | Beats 37% | 39 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.80% | 10.72% | 13.16% | 17.68% | Beats 48% | 31 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.80% | 10.72% | 13.16% | 17.68% | Beats 48% | 31 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 54.25% | 43.79% | 55.03% | 72.55% | 48th pctl | 31 / 60 | ||
| Loans / Assets | 47.22% | 36.50% | 47.22% | 58.67% | 48th pctl | 31 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||