Oswego, NY · Charter 17665
NCUA · 8 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
69
Asset Quality
62
Profitability
70
Liquidity
78
Efficiency
62
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.
Oswego, NY · Charter 17665
NCUA · 8 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 | 0.71% | 0.84% | 0.57% | 1.19% | 0.96% | 0.93% | 2.33% | 1.22% | +3 bps | |
| Return on Equity | 4.74% | 5.36% | 3.88% | 8.00% | 6.51% | 6.34% | 15.28% | 8.00% | 0 bps | |
| Net Interest Margin | 3.64% | 3.81% | 3.53% | 3.71% | 3.66% | 3.71% | 4.04% | 4.06% | +35 bps | |
| Efficiency Ratio | 78.14% | 77.33% | 80.83% | 68.50% | 74.03% | 74.82% | 52.17% | 73.96% | +546 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.59% | 5.20% | 8.22% | 9.12% | 8.75% | 13.25% | 4.07% | 5.27% | -385 bps | |
| Loan Growth (YoY) | -0.72% | -1.02% | -1.57% | 0.62% | 4.81% | 3.47% | 2.86% | 0.39% | -23 bps | |
| Share Growth (YoY) | 3.39% | 5.78% | 8.34% | 9.46% | 9.63% | 14.80% | 4.52% | 5.37% | -409 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 0.50% | 0.46% | 0.50% | 0.72% | 0.75% | 0.59% | 0.46% | -4 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 | 14.89% | 15.62% | 14.78% | 14.93% | 14.67% | 14.73% | 15.25% | 15.28% | +35 bps | |
| Net Worth / Assets | 14.89% | 15.62% | 14.78% | 14.93% | 14.67% | 14.73% | 15.25% | 15.28% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.21% | 71.54% | 65.95% | 65.89% | 65.21% | 64.48% | 64.91% | 62.78% | -311 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Oswego, NY · Charter 17665 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
Return on Assets
1.22%
Rank 386 of 1,683
Net Interest Margin
4.06%
Rank 622 of 1,683
Efficiency Ratio
73.96%
Rank 634 of 1,682
Equity / Assets
15.28%
Rank 521 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.22% | 0.35% | 0.74% | 1.18% | Beats 77% | 386 / 1,683 | ||
| Return on Equity | 8.00% | 2.67% | 5.89% | 8.74% | Beats 70% | 511 / 1,681 | ||
| Net Interest Margin | 4.06% | 3.31% | 3.82% | 4.32% | Beats 63% | 622 / 1,683 | ||
| Efficiency Ratio | 73.96% | 68.91% | 78.20% | 86.93% | Beats 62% | 634 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.46% | 0.26% | 0.65% | 1.29% | Beats 62% | 636 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.28% | 10.44% | 12.89% | 16.53% | Beats 69% | 521 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.28% | 10.44% | 12.89% | 16.53% | Beats 69% | 521 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.78% | 52.61% | 69.38% | 83.50% | 39th pctl | 1,025 / 1,683 | ||
| Loans / Assets | 52.58% | 44.71% | 59.18% | 70.72% | 38th pctl | 1,037 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||