Rochester, NY · Charter 18649
NCUA · 3 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 in the Rochester, NY area (n=16). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
19
Asset Quality
25
Profitability
10
Liquidity
47
Efficiency
12
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.
Rochester, NY · Charter 18649
NCUA · 3 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 | -0.46% | -0.55% | -0.49% | -1.58% | -0.85% | -39 bps | |
| Return on Equity | -4.49% | -5.33% | -4.66% | -16.35% | -8.88% | -438 bps | |
| Net Interest Margin | 2.95% | 3.13% | 3.27% | 3.32% | 3.30% | +35 bps | |
| Efficiency Ratio | 101.34% | 103.58% | 101.42% | 95.95% | 93.14% | -820 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.72% | 2.97% | -0.73% | 1.51% | -0.84% | -155 bps | |
| Loan Growth (YoY) | -0.68% | 1.41% | -1.66% | -2.17% | -3.60% | -292 bps | |
| Share Growth (YoY) | 3.87% | 3.67% | -1.12% | 1.79% | -0.43% | -429 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.42% | 1.61% | 2.07% | 2.26% | 2.51% | +109 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 | 10.13% | 10.32% | 10.43% | 9.64% | 9.53% | -61 bps | |
| Net Worth / Assets | 10.13% | 10.32% | 10.43% | 9.64% | 9.53% | -61 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.04% | 62.83% | 61.75% | 57.90% | 57.16% | -188 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Rochester, NY · Charter 18649 · Peer group: credit unions under $1B in assets in the Rochester, NY area (n=16)
NCUA · 3 branches
Q2 2026
Return on Assets
-0.85%
Rank 15 of 16
Net Interest Margin
3.30%
Rank 13 of 16
Efficiency Ratio
93.17%
Rank 15 of 16
Equity / Assets
9.53%
Rank 13 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.85% | 0.50% | 0.77% | 1.48% | Beats 6% | 15 / 16 | |
| Return on Equity | -8.88% | 4.22% | 6.62% | 10.72% | Beats 6% | 15 / 16 | |
| Net Interest Margin | 3.30% | 3.56% | 3.86% | 4.25% | Beats 19% | 13 / 16 | |
| Efficiency Ratio | 93.17% | 74.18% | 80.46% | 85.46% | Beats 12% | 15 / 16 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.51% | 0.36% | 0.55% | 2.51% | Beats 25% | 13 / 16 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.53% | 9.57% | 11.10% | 14.62% | Beats 19% | 13 / 16 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.53% | 9.57% | 11.10% | 14.62% | Beats 19% | 13 / 16 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 57.16% | 57.16% | 70.70% | 77.55% | 25th pctl | 12 / 16 | |
| Loans / Assets | 52.52% | 50.73% | 59.07% | 66.01% | 38th pctl | 10 / 16 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||