Ilion, NY · Charter 2008
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 NY (n=59). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
68
Asset Quality
47
Profitability
55
Liquidity
51
Efficiency
66
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.
Ilion, NY · Charter 2008
NCUA · 1 branch
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 | 0.83% | 0.88% | 1.04% | 1.04% | 1.30% | 1.25% | 1.53% | 1.37% | +33 bps | |
| Return on Equity | 5.94% | 6.15% | 7.40% | 7.38% | 8.89% | 8.45% | 10.29% | 9.10% | +171 bps | |
| Net Interest Margin | 2.79% | 2.88% | 2.93% | 2.96% | 3.12% | 3.21% | 3.41% | 3.43% | +47 bps | |
| Efficiency Ratio | 74.58% | 74.12% | 71.55% | 71.12% | 66.79% | 67.36% | 65.50% | 68.45% | -267 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.76% | 1.11% | 0.62% | 3.02% | 3.70% | 5.35% | 3.98% | 3.52% | +50 bps | |
| Loan Growth (YoY) | 5.08% | 6.37% | 2.59% | 1.58% | 3.55% | 0.08% | 2.19% | 0.12% | -146 bps | |
| Share Growth (YoY) | 1.32% | 0.51% | -0.38% | 2.64% | 2.79% | 4.83% | 2.99% | 2.62% | -2 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.22% | 0.29% | 0.24% | 0.06% | 0.91% | 0.88% | 0.09% | 0.76% | +70 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 | 13.93% | 14.28% | 14.07% | 14.16% | 14.65% | 14.80% | 14.89% | 15.07% | +91 bps | |
| Net Worth / Assets | 13.93% | 14.28% | 14.07% | 14.16% | 14.65% | 14.80% | 14.89% | 15.07% | +91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.09% | 46.74% | 44.23% | 44.41% | 45.42% | 44.62% | 43.89% | 43.33% | -108 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ilion, NY · Charter 2008 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 1 branch
Q2 2026
Return on Assets
1.37%
Rank 18 of 59
Net Interest Margin
3.42%
Rank 40 of 59
Efficiency Ratio
68.52%
Rank 21 of 59
Equity / Assets
15.07%
Rank 19 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.37% | 0.28% | 1.01% | 1.42% | Beats 69% | 18 / 59 | ||
| Return on Equity | 9.09% | 2.31% | 7.92% | 10.52% | Beats 64% | 21 / 59 | ||
| Net Interest Margin | 3.42% | 3.24% | 3.66% | 4.04% | Beats 32% | 40 / 59 | ||
| Efficiency Ratio | 68.52% | 63.53% | 74.15% | 82.44% | Beats 66% | 21 / 59 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.76% | 0.32% | 0.68% | 1.20% | Beats 47% | 32 / 59 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.07% | 10.94% | 13.05% | 16.06% | Beats 68% | 19 / 59 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.07% | 10.94% | 13.05% | 16.06% | Beats 68% | 19 / 59 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 43.33% | 40.49% | 57.59% | 78.86% | 31st pctl | 41 / 59 | ||
| Loans / Assets | 36.62% | 33.06% | 50.92% | 63.03% | 27th pctl | 43 / 59 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||