Camillus, NY · Charter 15386
NCUA · 3 branches
Q1 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2026, the quarter ended March 31, 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 (n=1,674 to 1,677). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
25
Asset Quality
86
Profitability
27
Liquidity
0
Efficiency
16
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.
Camillus, NY · Charter 15386
NCUA · 3 branches
Q1 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 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.72% | 0.66% | 0.59% | 0.52% | 0.13% | -59 bps | |
| Return on Equity | 7.15% | 6.57% | 5.59% | 5.03% | 1.24% | -590 bps | |
| Net Interest Margin | 3.31% | 3.32% | 3.53% | 3.49% | 3.67% | +36 bps | |
| Efficiency Ratio | 79.99% | 81.76% | 83.03% | 85.73% | 92.71% | +1,273 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.44% | -3.57% | -5.60% | 0.42% | 1.03% | +546 bps | |
| Loan Growth (YoY) | -14.77% | -16.75% | -13.84% | -16.06% | -17.98% | -320 bps | |
| Share Growth (YoY) | -5.09% | -4.65% | -6.68% | -0.03% | 0.67% | +576 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.64% | 0.50% | 0.05% | 0.51% | 0.08% | -157 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.10% | 10.07% | 10.54% | 10.29% | 10.37% | +27 bps | |
| Net Worth / Assets | 10.10% | 10.07% | 10.54% | 10.29% | 10.37% | +27 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.81% | 33.90% | 34.76% | 32.16% | 29.99% | -682 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Camillus, NY · Charter 15386 · Peer group: credit unions under $1B in assets (n=1,674-1,677)
NCUA · 3 branches
Q1 2026
Return on Assets
0.13%
Rank 1,379 of 1,677
Net Interest Margin
3.68%
Rank 923 of 1,676
Efficiency Ratio
92.64%
Rank 1,409 of 1,674
Equity / Assets
10.37%
Rank 1,250 of 1,676
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.13% | 0.29% | 0.71% | 1.15% | Beats 18% | 1,379 / 1,677 | |
| Return on Equity | 1.28% | 2.30% | 5.46% | 8.75% | Beats 19% | 1,353 / 1,674 | |
| Net Interest Margin | 3.68% | 3.27% | 3.78% | 4.29% | Beats 45% | 923 / 1,676 | |
| Efficiency Ratio | 92.64% | 69.04% | 78.86% | 87.73% | Beats 16% | 1,409 / 1,674 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.08% | 0.23% | 0.59% | 1.15% | Beats 86% | 233 / 1,675 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.37% | 10.32% | 12.68% | 16.26% | Beats 25% | 1,251 / 1,677 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.37% | 10.32% | 12.68% | 16.26% | Beats 25% | 1,250 / 1,676 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 29.99% | 52.64% | 68.65% | 82.42% | 5th pctl | 1,586 / 1,676 | |
| Loans / Assets | 26.87% | 44.39% | 58.63% | 70.08% | 6th pctl | 1,574 / 1,676 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||