Glens Falls, NY · Charter 16933
NCUA · 2 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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
75
Asset Quality
74
Profitability
68
Liquidity
88
Efficiency
63
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.
Glens Falls, NY · Charter 16933
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 1.03% | 1.43% | 1.22% | 1.42% | 1.33% | 0.81% | 1.15% | -7 bps | |
| Return on Equity | 6.50% | 6.14% | 8.58% | 7.40% | 8.16% | 7.90% | 4.96% | 6.93% | -47 bps | |
| Net Interest Margin | 4.29% | 4.37% | 4.55% | 4.47% | 4.66% | 4.44% | 4.20% | 4.26% | -21 bps | |
| Efficiency Ratio | 77.26% | 77.82% | 70.47% | 70.41% | 68.68% | 68.74% | 76.07% | 73.51% | +310 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.70% | 4.42% | 5.62% | 5.57% | 2.57% | 8.41% | 9.23% | 7.20% | +162 bps | |
| Loan Growth (YoY) | 4.00% | 3.43% | 1.65% | -1.50% | 4.84% | 3.10% | 3.76% | 3.17% | +467 bps | |
| Share Growth (YoY) | 2.94% | 2.99% | 4.50% | 4.45% | 1.24% | 8.19% | 9.46% | 7.08% | +263 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 0.30% | 0.15% | 0.44% | 0.12% | 0.26% | 0.16% | 0.28% | -16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.41% | 16.78% | 16.66% | 16.45% | 17.41% | 16.81% | 16.41% | 16.62% | +17 bps | |
| Net Worth / Assets | 16.41% | 16.78% | 16.66% | 16.45% | 17.41% | 16.81% | 16.41% | 16.62% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.60% | 74.15% | 70.46% | 68.27% | 75.17% | 70.65% | 66.79% | 65.77% | -249 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Glens Falls, NY · Charter 16933 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.15%
Rank 446 of 1,683
Net Interest Margin
4.26%
Rank 463 of 1,683
Efficiency Ratio
73.48%
Rank 617 of 1,682
Equity / Assets
16.62%
Rank 415 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.15% | 0.35% | 0.74% | 1.18% | Beats 73% | 446 / 1,683 | ||
| Return on Equity | 6.94% | 2.67% | 5.89% | 8.74% | Beats 60% | 666 / 1,681 | ||
| Net Interest Margin | 4.26% | 3.31% | 3.82% | 4.32% | Beats 72% | 463 / 1,683 | ||
| Efficiency Ratio | 73.48% | 68.91% | 78.20% | 86.93% | Beats 63% | 617 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.28% | 0.26% | 0.65% | 1.29% | Beats 74% | 444 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.62% | 10.44% | 12.89% | 16.53% | Beats 75% | 415 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.62% | 10.44% | 12.89% | 16.53% | Beats 75% | 415 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 65.77% | 52.61% | 69.38% | 83.50% | 43rd pctl | 957 / 1,683 | ||
| Loans / Assets | 54.81% | 44.71% | 59.18% | 70.72% | 42nd pctl | 977 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||