Pittsford, NY · Charter 19085
NCUA · 2 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
56
Asset Quality
50
Profitability
31
Liquidity
71
Efficiency
69
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.
Pittsford, NY · Charter 19085
NCUA · 2 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 | 0.38% | 0.37% | 0.56% | 0.61% | 0.56% | 0.45% | 0.62% | 0.77% | +16 bps | |
| Return on Equity | 3.26% | 3.29% | 4.90% | 5.35% | 4.78% | 3.91% | 5.31% | 6.48% | +113 bps | |
| Net Interest Margin | 2.25% | 2.26% | 2.49% | 2.51% | 2.57% | 2.54% | 2.62% | 2.71% | +20 bps | |
| Efficiency Ratio | 86.08% | 86.00% | 87.94% | 83.18% | 84.50% | 87.02% | 78.42% | 74.35% | -883 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.29% | -0.03% | -0.29% | 1.22% | 3.11% | 2.56% | 1.94% | 0.84% | -39 bps | |
| Loan Growth (YoY) | -7.30% | -6.20% | -5.09% | -3.97% | -2.49% | -2.84% | -2.59% | -1.45% | +252 bps | |
| Share Growth (YoY) | -0.01% | -0.44% | -0.88% | 0.77% | 2.93% | 2.39% | 1.69% | 0.33% | -44 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.38% | 0.07% | 0.12% | 0.21% | 0.25% | 0.12% | 0.55% | +44 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 | 11.49% | 11.35% | 11.38% | 11.48% | 11.66% | 11.52% | 11.63% | 11.91% | +44 bps | |
| Net Worth / Assets | 11.49% | 11.35% | 11.38% | 11.48% | 11.66% | 11.52% | 11.63% | 11.91% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.43% | 77.82% | 76.58% | 76.06% | 76.19% | 73.85% | 73.36% | 74.71% | -135 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pittsford, NY · Charter 19085 · Peer group: credit unions under $1B in assets in the Rochester, NY area (n=16)
NCUA · 2 branches
Q2 2026
Return on Assets
0.77%
Rank 8 of 16
Net Interest Margin
2.71%
Rank 16 of 16
Efficiency Ratio
74.36%
Rank 6 of 16
Equity / Assets
11.91%
Rank 7 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.77% | 0.50% | 0.77% | 1.48% | Beats 50% | 8 / 16 | ||
| Return on Equity | 6.48% | 4.22% | 6.62% | 10.72% | Beats 44% | 9 / 16 | ||
| Net Interest Margin | 2.71% | 3.56% | 3.86% | 4.25% | Beats 0% | 16 / 16 | ||
| Efficiency Ratio | 74.36% | 74.18% | 80.46% | 85.46% | Beats 69% | 6 / 16 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.55% | 0.36% | 0.55% | 2.51% | Beats 50% | 9 / 16 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.91% | 9.57% | 11.10% | 14.62% | Beats 56% | 7 / 16 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.91% | 9.57% | 11.10% | 14.62% | Beats 56% | 7 / 16 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.71% | 57.16% | 70.70% | 77.55% | 63rd pctl | 6 / 16 | ||
| Loans / Assets | 65.57% | 50.73% | 59.07% | 66.01% | 69th pctl | 5 / 16 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||