Lockport Schools & Community
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
$25.9MAssets
$14.8MLoans
$23.6MShares
$2.4MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 97% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 2 of 60).
- Widest gap: equity / assets trails 88% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 53 of 60).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 |