Corning, NY · Charter 1644
NCUA · 21 branches
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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
50
Asset Quality
76
Profitability
50
Liquidity
47
Efficiency
54
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.
Corning, NY · Charter 1644
NCUA · 21 branches
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 | 0.58% | 0.67% | 0.77% | 0.83% | 0.83% | +25 bps | |
| Return on Equity | 5.28% | 6.05% | 7.01% | 7.67% | 7.63% | +235 bps | |
| Net Interest Margin | 3.04% | 3.13% | 3.07% | 3.26% | 3.32% | +27 bps | |
| Efficiency Ratio | 75.30% | 74.19% | 71.88% | 69.85% | 70.74% | -456 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.89% | 6.80% | 9.43% | 7.68% | 10.27% | +338 bps | |
| Loan Growth (YoY) | 4.31% | 7.90% | 9.61% | 8.95% | 11.38% | +707 bps | |
| Share Growth (YoY) | 7.50% | 6.75% | 7.23% | 7.40% | 10.39% | +289 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.52% | 0.48% | 0.50% | 0.42% | 0.45% | -7 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 | 11.00% | 11.06% | 10.93% | 10.83% | 10.85% | -14 bps | |
| Net Worth / Assets | 11.00% | 11.06% | 10.93% | 10.83% | 10.85% | -14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.93% | 97.15% | 97.68% | 93.71% | 95.78% | +85 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Corning, NY · Charter 1644 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 21 branches
Q2 2026
Return on Assets
0.83%
Rank 208 of 435
Net Interest Margin
3.32%
Rank 238 of 435
Efficiency Ratio
70.74%
Rank 202 of 435
Equity / Assets
10.85%
Rank 216 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.83% | 0.55% | 0.81% | 1.14% | Beats 52% | 208 / 435 | |
| Return on Equity | 7.63% | 5.12% | 7.41% | 9.70% | Beats 52% | 209 / 435 | |
| Net Interest Margin | 3.32% | 3.01% | 3.39% | 3.75% | Beats 45% | 238 / 435 | |
| Efficiency Ratio | 70.74% | 65.25% | 71.39% | 77.86% | Beats 54% | 202 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.45% | 0.45% | 0.69% | 1.05% | Beats 76% | 107 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.85% | 9.81% | 10.84% | 12.63% | Beats 50% | 216 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.85% | 9.81% | 10.84% | 12.63% | Beats 50% | 216 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.78% | 78.33% | 88.38% | 95.61% | 76th pctl | 106 / 435 | |
| Loans / Assets | 84.78% | 67.69% | 74.58% | 80.80% | 89th pctl | 47 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||