Afgm Enterprises
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
$13.4MAssets
$8.7MLoans
$9.9MShares
$3.4MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 92% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 5 of 60).
- Widest gap: return on equity trails 72% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 43 of 60).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 |