Rochester, NY · Charter 16236
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 Rochester, NY area (n=16). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
6
Asset Quality
81
Profitability
48
Liquidity
6
Efficiency
31
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.
Rochester, NY · Charter 16236
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 | 0.36% | 0.71% | 0.55% | 0.54% | 0.51% | +16 bps | |
| Return on Equity | 5.13% | 9.77% | 7.36% | 7.35% | 6.68% | +155 bps | |
| Net Interest Margin | 3.27% | 3.49% | 3.53% | 3.75% | 3.94% | +67 bps | |
| Efficiency Ratio | 84.15% | 82.29% | 82.94% | 82.16% | 85.40% | +126 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.40% | 0.74% | 1.51% | 2.31% | -1.84% | -145 bps | |
| Loan Growth (YoY) | 7.25% | 4.45% | 2.96% | 4.86% | 10.02% | +277 bps | |
| Share Growth (YoY) | -1.64% | -0.32% | 1.01% | 1.93% | -1.77% | -12 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.43% | 0.35% | 0.73% | 0.25% | 0.24% | -19 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 | 6.95% | 7.31% | 7.41% | 7.33% | 7.68% | +73 bps | |
| Net Worth / Assets | 6.95% | 7.31% | 7.41% | 7.33% | 7.68% | +73 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.93% | 49.22% | 46.83% | 44.81% | 49.20% | +527 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Rochester, NY · Charter 16236 · Peer group: credit unions under $1B in assets in the Rochester, NY area (n=16)
NCUA · 1 branch
Q2 2026
Return on Assets
0.51%
Rank 11 of 16
Net Interest Margin
3.94%
Rank 7 of 16
Efficiency Ratio
85.26%
Rank 12 of 16
Equity / Assets
7.68%
Rank 15 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.51% | 0.50% | 0.77% | 1.48% | Beats 31% | 11 / 16 | |
| Return on Equity | 6.68% | 4.22% | 6.62% | 10.72% | Beats 56% | 7 / 16 | |
| Net Interest Margin | 3.94% | 3.56% | 3.86% | 4.25% | Beats 56% | 7 / 16 | |
| Efficiency Ratio | 85.26% | 74.18% | 80.46% | 85.46% | Beats 31% | 12 / 16 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.25% | 0.36% | 0.55% | 2.51% | Beats 81% | 4 / 16 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 7.68% | 9.57% | 11.10% | 14.62% | Beats 6% | 15 / 16 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 7.68% | 9.57% | 11.10% | 14.62% | Beats 6% | 15 / 16 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 49.20% | 57.16% | 70.70% | 77.55% | 13th pctl | 14 / 16 | |
| Loans / Assets | 45.60% | 50.73% | 59.07% | 66.01% | 19th pctl | 13 / 16 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||