West Seneca, NY · Charter 16042
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
35
Asset Quality
72
Profitability
63
Liquidity
85
Efficiency
62
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.
West Seneca, NY · Charter 16042
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 | 1.44% | 1.59% | 1.63% | 1.21% | 1.07% | -37 bps | |
| Return on Equity | 13.66% | 14.47% | 14.35% | 10.86% | 9.33% | -434 bps | |
| Net Interest Margin | 3.70% | 3.81% | 3.78% | 3.62% | 3.68% | -3 bps | |
| Efficiency Ratio | 69.25% | 66.26% | 66.16% | 71.50% | 72.96% | +371 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.48% | 6.23% | 6.08% | 6.42% | 5.01% | -248 bps | |
| Loan Growth (YoY) | -5.28% | -8.52% | -5.37% | -5.34% | -6.52% | -124 bps | |
| Share Growth (YoY) | 6.56% | 5.05% | 4.86% | 5.41% | 3.96% | -260 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.44% | 0.71% | 0.70% | 0.46% | 0.33% | -11 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 | 10.57% | 11.01% | 11.35% | 11.18% | 11.47% | +90 bps | |
| Net Worth / Assets | 10.57% | 11.01% | 11.35% | 11.18% | 11.47% | +90 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.25% | 61.21% | 62.10% | 56.18% | 58.67% | -658 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
West Seneca, NY · Charter 16042 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 1 branch
Q2 2026
Return on Assets
1.07%
Rank 25 of 60
Net Interest Margin
3.68%
Rank 26 of 60
Efficiency Ratio
72.96%
Rank 24 of 60
Equity / Assets
11.47%
Rank 39 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.07% | 0.35% | 0.84% | 1.37% | Beats 58% | 25 / 60 | |
| Return on Equity | 9.32% | 2.76% | 6.36% | 10.04% | Beats 73% | 16 / 60 | |
| Net Interest Margin | 3.68% | 3.02% | 3.63% | 4.05% | Beats 57% | 26 / 60 | |
| Efficiency Ratio | 72.96% | 67.68% | 77.48% | 89.33% | Beats 62% | 24 / 60 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.33% | 0.32% | 0.64% | 1.44% | Beats 72% | 18 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.47% | 10.72% | 13.16% | 17.68% | Beats 35% | 39 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.47% | 10.72% | 13.16% | 17.68% | Beats 35% | 39 / 60 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 58.67% | 43.79% | 55.03% | 72.55% | 55th pctl | 27 / 60 | |
| Loans / Assets | 51.66% | 36.50% | 47.22% | 58.67% | 58th pctl | 25 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||