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Upstate Milk Employees

Lancaster, NY · Charter 20547

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

17

Q2 2024Q2 2026peer median (50)

Asset Quality

47

Q2 2024Q2 2026peer median (50)

Profitability

32

Q2 2024Q2 2026peer median (50)

Liquidity

24

Q2 2024Q2 2026peer median

Efficiency

20

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Upstate Milk Employees

Lancaster, NY · Charter 20547

NCUA · 1 branch

Q2 2026

$2.5MAssets
$841KLoans
$2.2MShares
$238KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Financial Results

Return on Assets (YTD, annualized)

-1.15%-150 bps YoY

Net Interest Margin (YTD, annualized)

4.45%+57 bps YoY

Efficiency Ratio (YTD, annualized)

90.60%-54 bps YoY

Net Worth / Assets

9.62%-5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets0.35%0.41%0.36%0.34%-1.15%-150 bps
Net Interest Margin3.88%3.97%4.25%4.27%4.45%+57 bps
Asset Growth (YoY)0.20%1.03%3.58%-0.20%-3.46%-367 bps
Share Growth (YoY)-0.10%0.78%3.57%-0.66%-3.42%-332 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Risk-Based Capital9.67%9.69%10.17%10.18%9.62%-5 bps
Loans / Shares41.83%37.40%37.46%39.21%37.61%-422 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Upstate Milk Employees

Lancaster, NY · Charter 20547 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)

NCUA · 1 branch

Q2 2026

$2.5MAssets
$841KLoans
$2.2MShares
$238KNet Worth

Return on Assets

-1.13%

Rank 58 of 60

Net Interest Margin

4.44%

Rank 6 of 60

Efficiency Ratio

91.07%

Rank 49 of 60

Equity / Assets

9.61%

Rank 50 of 60

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Return on Assets-1.13%0.35%0.84%1.37%Beats 3%58 / 60
Net Interest Margin4.44%3.02%3.63%4.05%Beats 90%6 / 60
Nonperforming Loans / Loans0.71%0.32%0.64%1.44%Beats 47%33 / 60
Tier 1 Capital Ratio9.61%10.72%13.16%17.68%Beats 17%50 / 60
Equity / Assets9.61%10.72%13.16%17.68%Beats 17%50 / 60
Loans / Assets33.95%36.50%47.22%58.67%15th pctl51 / 60