Cheektowaga, NY · Charter 15618
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
92
Asset Quality
30
Profitability
38
Liquidity
0
Efficiency
52
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.
Cheektowaga, NY · Charter 15618
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 | 1.60% | 1.46% | 0.53% | 1.17% | 0.84% | -76 bps | |
| Return on Equity | 6.15% | 5.41% | 2.05% | 4.69% | 3.28% | -287 bps | |
| Net Interest Margin | 4.23% | 4.16% | 3.86% | 3.75% | 3.51% | -72 bps | |
| Efficiency Ratio | 71.45% | 71.96% | 76.50% | 69.58% | 76.79% | +534 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.17% | 1.35% | 3.15% | 6.90% | 4.98% | +81 bps | |
| Loan Growth (YoY) | -13.66% | -16.05% | -15.70% | -13.18% | -10.11% | +355 bps | |
| Share Growth (YoY) | 4.27% | 0.09% | 2.27% | 7.52% | 5.37% | +110 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.95% | 1.73% | 1.29% | 1.17% | 1.16% | -79 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 | 26.01% | 26.91% | 26.02% | 25.05% | 25.65% | -36 bps | |
| Net Worth / Assets | 26.01% | 26.91% | 26.02% | 25.05% | 25.65% | -36 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 102.25% | 100.34% | 91.69% | 85.04% | 87.23% | -1,502 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cheektowaga, NY · Charter 15618 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 1 branch
Q2 2026
Return on Assets
0.84%
Rank 32 of 60
Net Interest Margin
3.50%
Rank 36 of 60
Efficiency Ratio
76.86%
Rank 30 of 60
Equity / Assets
25.65%
Rank 5 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.84% | 0.35% | 0.84% | 1.37% | Beats 47% | 32 / 60 | |
| Return on Equity | 3.27% | 2.76% | 6.36% | 10.04% | Beats 28% | 43 / 60 | |
| Net Interest Margin | 3.50% | 3.02% | 3.63% | 4.05% | Beats 40% | 36 / 60 | |
| Efficiency Ratio | 76.86% | 67.68% | 77.48% | 89.33% | Beats 52% | 30 / 60 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.16% | 0.32% | 0.64% | 1.44% | Beats 30% | 43 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 25.65% | 10.72% | 13.16% | 17.68% | Beats 92% | 5 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 25.65% | 10.72% | 13.16% | 17.68% | Beats 92% | 5 / 60 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.22% | 43.79% | 55.03% | 72.55% | 92nd pctl | 5 / 60 | |
| Loans / Assets | 64.74% | 36.50% | 47.22% | 58.67% | 82nd pctl | 11 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||