Morton Lane
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
$62.8MAssets
$29.7MLoans
$54.7MShares
$8.0MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 48% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 31 of 60).
- Widest gap: net interest margin trails 88% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 53 of 60).
- Overall: at or above the peer median on 0 of 7 directional measures.
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 |