Brockport, NY · Charter 20013
NCUA · 1 branch
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
0
Asset Quality
12
Profitability
27
Liquidity
0
Efficiency
6
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.
Brockport, NY · Charter 20013
NCUA · 1 branch
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 | -0.84% | -1.10% | -0.93% | 0.34% | -1.75% | -90 bps | |
| Return on Equity | -12.31% | -18.99% | -17.69% | 6.42% | -39.68% | -2,738 bps | |
| Net Interest Margin | 4.74% | 4.92% | 4.54% | 4.20% | 4.27% | -47 bps | |
| Efficiency Ratio | 86.22% | 98.83% | 98.96% | 93.75% | 95.59% | +938 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.06% | -7.72% | -1.35% | -0.60% | 1.82% | +588 bps | |
| Loan Growth (YoY) | -12.29% | -13.28% | -11.48% | -10.22% | -10.06% | +223 bps | |
| Share Growth (YoY) | -2.31% | -6.27% | -2.25% | 5.11% | 3.43% | +574 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.33% | 2.08% | 3.12% | 4.42% | 3.05% | -28 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 | 6.85% | 5.77% | 5.24% | 5.30% | 4.40% | -245 bps | |
| Net Worth / Assets | 6.85% | 5.77% | 5.24% | 5.30% | 4.40% | -245 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.12% | 55.01% | 51.38% | 48.45% | 47.06% | -706 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Brockport, NY · Charter 20013 · Peer group: credit unions under $1B in assets in the Rochester, NY area (n=16)
NCUA · 1 branch
Q2 2026
Return on Assets
-1.74%
Rank 16 of 16
Net Interest Margin
4.28%
Rank 3 of 16
Efficiency Ratio
95.51%
Rank 16 of 16
Equity / Assets
4.40%
Rank 16 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.74% | 0.50% | 0.77% | 1.48% | Beats 0% | 16 / 16 | |
| Return on Equity | -39.59% | 4.22% | 6.62% | 10.72% | Beats 0% | 16 / 16 | |
| Net Interest Margin | 4.28% | 3.56% | 3.86% | 4.25% | Beats 81% | 3 / 16 | |
| Efficiency Ratio | 95.51% | 74.18% | 80.46% | 85.46% | Beats 6% | 16 / 16 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.05% | 0.36% | 0.55% | 2.51% | Beats 12% | 15 / 16 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 4.40% | 9.57% | 11.10% | 14.62% | Beats 0% | 16 / 16 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 4.40% | 9.57% | 11.10% | 14.62% | Beats 0% | 16 / 16 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 47.06% | 57.16% | 70.70% | 77.55% | 6th pctl | 15 / 16 | |
| Loans / Assets | 44.49% | 50.73% | 59.07% | 66.01% | 13th pctl | 14 / 16 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||