Lancaster, NY · Charter 20547
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 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.
Capital
17
Asset Quality
47
Profitability
32
Liquidity
24
Efficiency
20
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.
Lancaster, NY · Charter 20547
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 | 0.35% | 0.41% | 0.36% | 0.34% | -1.15% | -150 bps | |
| Return on Equity | 3.61% | 4.22% | 3.53% | 3.33% | -11.92% | -1,553 bps | |
| Net Interest Margin | 3.88% | 3.97% | 4.25% | 4.27% | 4.45% | +57 bps | |
| Efficiency Ratio | 91.13% | 87.92% | 89.34% | 90.35% | 90.60% | -54 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.20% | 1.03% | 3.58% | -0.20% | -3.46% | -367 bps | |
| Loan Growth (YoY) | -2.32% | -12.42% | -13.39% | -5.97% | -13.16% | -1,084 bps | |
| Share Growth (YoY) | -0.10% | 0.78% | 3.57% | -0.66% | -3.42% | -332 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.10% | 3.57% | 3.75% | 3.73% | 0.74% | -335 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.93% | 0.45% | 0.84% | 1.11% | 0.24% | -69 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.67% | 9.69% | 10.17% | 10.18% | 9.62% | -5 bps | |
| Net Worth / Assets | 9.67% | 9.69% | 10.17% | 10.18% | 9.62% | -5 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.83% | 37.40% | 37.46% | 39.21% | 37.61% | -422 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
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
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.13% | 0.35% | 0.84% | 1.37% | Beats 3% | 58 / 60 | |
| Return on Equity | -11.76% | 2.76% | 6.36% | 10.04% | Beats 3% | 58 / 60 | |
| Net Interest Margin | 4.44% | 3.02% | 3.63% | 4.05% | Beats 90% | 6 / 60 | |
| Efficiency Ratio | 91.07% | 67.68% | 77.48% | 89.33% | Beats 20% | 49 / 60 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.71% | 0.32% | 0.64% | 1.44% | Beats 47% | 33 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.61% | 10.72% | 13.16% | 17.68% | Beats 17% | 50 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.61% | 10.72% | 13.16% | 17.68% | Beats 17% | 50 / 60 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 37.61% | 43.79% | 55.03% | 72.55% | 15th pctl | 51 / 60 | |
| Loans / Assets | 33.95% | 36.50% | 47.22% | 58.67% | 15th pctl | 51 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||