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
Executive Summary
- Strongest standing: net interest margin outperforms 90% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 6 of 60).
- Widest gap: return on equity trails 97% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 58 of 60).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 | 8-Qtr Trend | 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 |