Western New York
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
$92.6MAssets
$47.8MLoans
$81.5MShares
$10.6MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 73% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 16 of 60).
- Widest gap: equity / assets trails 65% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 39 of 60).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 |