Lockport, NY · Charter 17372
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
12
Asset Quality
65
Profitability
82
Liquidity
70
Efficiency
73
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.
Lockport, NY · Charter 17372
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 | 0.91% | 0.94% | 0.79% | 1.26% | 1.35% | +44 bps | |
| Return on Equity | 10.81% | 10.42% | 9.49% | 14.72% | 14.82% | +401 bps | |
| Net Interest Margin | 3.66% | 3.93% | 3.66% | 3.87% | 4.05% | +39 bps | |
| Efficiency Ratio | 75.68% | 75.18% | 75.22% | 66.87% | 67.93% | -775 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.26% | -4.53% | 7.28% | 6.97% | 3.39% | +865 bps | |
| Loan Growth (YoY) | -1.47% | -0.22% | -4.19% | -4.29% | -6.59% | -511 bps | |
| Share Growth (YoY) | -6.44% | -5.79% | 7.01% | 6.57% | 2.55% | +899 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.67% | 0.38% | 0.61% | 0.02% | 0.39% | -28 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 | 8.39% | 9.01% | 8.32% | 8.59% | 9.10% | +72 bps | |
| Net Worth / Assets | 8.39% | 9.01% | 8.32% | 8.59% | 9.10% | +72 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.85% | 73.20% | 64.01% | 62.49% | 62.72% | -614 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lockport, NY · Charter 17372 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 1 branch
Q2 2026
Return on Assets
1.35%
Rank 16 of 60
Net Interest Margin
4.05%
Rank 15 of 60
Efficiency Ratio
67.94%
Rank 17 of 60
Equity / Assets
9.10%
Rank 53 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.35% | 0.35% | 0.84% | 1.37% | Beats 73% | 16 / 60 | |
| Return on Equity | 14.82% | 2.76% | 6.36% | 10.04% | Beats 97% | 2 / 60 | |
| Net Interest Margin | 4.05% | 3.02% | 3.63% | 4.05% | Beats 75% | 15 / 60 | |
| Efficiency Ratio | 67.94% | 67.68% | 77.48% | 89.33% | Beats 73% | 17 / 60 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.39% | 0.32% | 0.64% | 1.44% | Beats 65% | 22 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.10% | 10.72% | 13.16% | 17.68% | Beats 12% | 53 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.10% | 10.72% | 13.16% | 17.68% | Beats 12% | 53 / 60 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.72% | 43.79% | 55.03% | 72.55% | 60th pctl | 24 / 60 | |
| Loans / Assets | 56.98% | 36.50% | 47.22% | 58.67% | 68th pctl | 19 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||