Endicott, NY · Charter 17429
NCUA · 61 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
30
Asset Quality
34
Profitability
28
Liquidity
28
Efficiency
25
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.
Endicott, NY · Charter 17429
NCUA · 61 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 | 0.36% | 0.40% | 0.37% | 0.58% | 0.59% | +24 bps | |
| Return on Equity | 3.56% | 3.90% | 3.67% | 5.60% | 5.94% | +238 bps | |
| Net Interest Margin | 2.80% | 2.90% | 2.89% | 3.05% | 2.95% | +15 bps | |
| Efficiency Ratio | 81.46% | 81.43% | 80.55% | 77.64% | 77.86% | -360 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.62% | -1.19% | 1.15% | -1.04% | 4.86% | +748 bps | |
| Loan Growth (YoY) | -6.01% | -2.80% | 0.43% | 1.88% | 4.07% | +1,008 bps | |
| Share Growth (YoY) | 0.86% | 1.01% | 2.28% | 2.24% | 8.65% | +778 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.73% | 0.69% | 0.68% | 0.64% | 0.89% | +16 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 | 9.99% | 10.26% | 10.15% | 10.37% | 10.00% | +1 bps | |
| Net Worth / Assets | 9.99% | 10.26% | 10.15% | 10.37% | 10.00% | +1 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.62% | 76.51% | 75.82% | 74.75% | 71.48% | -314 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Endicott, NY · Charter 17429 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 61 branches
Q2 2026
Return on Assets
0.59%
Rank 311 of 435
Net Interest Margin
2.95%
Rank 341 of 435
Efficiency Ratio
77.86%
Rank 327 of 435
Equity / Assets
10.00%
Rank 304 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.59% | 0.55% | 0.81% | 1.14% | Beats 29% | 311 / 435 | |
| Return on Equity | 5.94% | 5.12% | 7.41% | 9.70% | Beats 34% | 289 / 435 | |
| Net Interest Margin | 2.95% | 3.01% | 3.39% | 3.75% | Beats 22% | 341 / 435 | |
| Efficiency Ratio | 77.86% | 65.25% | 71.39% | 77.86% | Beats 25% | 327 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.89% | 0.45% | 0.69% | 1.05% | Beats 34% | 286 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.00% | 9.81% | 10.84% | 12.63% | Beats 30% | 304 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.00% | 9.81% | 10.84% | 12.63% | Beats 30% | 304 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 71.48% | 78.33% | 88.38% | 95.61% | 15th pctl | 368 / 435 | |
| Loans / Assets | 63.63% | 67.69% | 74.58% | 80.80% | 17th pctl | 360 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||