Elmira, NY · Charter 21294
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
70
Asset Quality
91
Profitability
34
Liquidity
0
Efficiency
29
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.
Elmira, NY · Charter 21294
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 | 1.59% | 1.55% | 1.32% | 0.58% | 0.61% | -98 bps | |
| Return on Equity | 10.18% | 9.78% | 8.41% | 3.77% | 3.95% | -623 bps | |
| Net Interest Margin | 3.55% | 3.57% | 3.52% | 3.42% | 3.38% | -17 bps | |
| Efficiency Ratio | 66.79% | 67.78% | 71.50% | 86.12% | 85.26% | +1,848 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.51% | 6.12% | 5.42% | 5.32% | 6.03% | +52 bps | |
| Loan Growth (YoY) | -16.73% | -13.66% | -2.61% | -0.75% | -4.08% | +1,265 bps | |
| Share Growth (YoY) | 5.08% | 5.50% | 4.74% | 4.91% | 6.05% | +97 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.16% | 0.00% | 0.01% | 0.00% | 0.02% | -14 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 | 15.62% | 15.90% | 15.64% | 15.49% | 15.54% | -8 bps | |
| Net Worth / Assets | 15.62% | 15.90% | 15.64% | 15.49% | 15.54% | -8 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 28.51% | 28.21% | 29.65% | 27.32% | 25.79% | -272 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Elmira, NY · Charter 21294 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.61%
Rank 999 of 1,683
Net Interest Margin
3.38%
Rank 1,218 of 1,683
Efficiency Ratio
85.27%
Rank 1,197 of 1,682
Equity / Assets
15.54%
Rank 497 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.35% | 0.74% | 1.18% | Beats 41% | 999 / 1,683 | |
| Return on Equity | 3.94% | 2.67% | 5.89% | 8.74% | Beats 34% | 1,102 / 1,681 | |
| Net Interest Margin | 3.38% | 3.31% | 3.82% | 4.32% | Beats 28% | 1,218 / 1,683 | |
| Efficiency Ratio | 85.27% | 68.91% | 78.20% | 86.93% | Beats 29% | 1,197 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.03% | 0.26% | 0.65% | 1.29% | Beats 91% | 155 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.54% | 10.44% | 12.89% | 16.53% | Beats 70% | 497 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.54% | 10.44% | 12.89% | 16.53% | Beats 70% | 497 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 25.79% | 52.61% | 69.38% | 83.50% | 3rd pctl | 1,627 / 1,683 | |
| Loans / Assets | 21.75% | 44.71% | 59.18% | 70.72% | 3rd pctl | 1,626 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||