Buffalo, NY · Charter 21355
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
20
Asset Quality
8
Profitability
12
Liquidity
0
Efficiency
19
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.
Buffalo, NY · Charter 21355
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 | 0.24% | -0.36% | 0.00% | -0.31% | -0.82% | -106 bps | |
| Return on Equity | 2.15% | -3.19% | 0.01% | -2.76% | -7.54% | -969 bps | |
| Net Interest Margin | 2.84% | 3.20% | 3.44% | 3.47% | 3.45% | +61 bps | |
| Efficiency Ratio | 91.63% | 88.56% | 83.88% | 108.83% | 81.61% | -1,002 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.60% | -2.55% | -0.85% | -3.54% | -1.42% | -402 bps | |
| Loan Growth (YoY) | -5.74% | -3.43% | -11.11% | -8.41% | -19.90% | -1,415 bps | |
| Share Growth (YoY) | 2.33% | -3.12% | -1.11% | -4.17% | -1.05% | -338 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.83% | 3.58% | 6.18% | 6.47% | 4.62% | -21 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.38% | 3.54% | 3.80% | 3.15% | 6.40% | +402 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.20% | 11.19% | 11.80% | 11.39% | 10.83% | -37 bps | |
| Net Worth / Assets | 11.20% | 11.19% | 11.80% | 11.39% | 10.83% | -37 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 26.87% | 26.33% | 25.40% | 24.91% | 21.75% | -512 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Buffalo, NY · Charter 21355 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.87%
Rank 55 of 59
Net Interest Margin
3.31%
Rank 43 of 59
Efficiency Ratio
84.21%
Rank 49 of 59
Equity / Assets
10.80%
Rank 47 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.87% | 0.28% | 1.01% | 1.42% | Beats 7% | 55 / 59 | |
| Return on Equity | -8.06% | 2.31% | 7.92% | 10.52% | Beats 2% | 58 / 59 | |
| Net Interest Margin | 3.31% | 3.24% | 3.66% | 4.04% | Beats 27% | 43 / 59 | |
| Efficiency Ratio | 84.21% | 63.53% | 74.15% | 82.44% | Beats 19% | 49 / 59 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 4.65% | 0.32% | 0.68% | 1.20% | Beats 8% | 55 / 59 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.80% | 10.94% | 13.05% | 16.06% | Beats 20% | 47 / 59 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.80% | 10.94% | 13.05% | 16.06% | Beats 20% | 47 / 59 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 21.76% | 40.49% | 57.59% | 78.86% | 7th pctl | 55 / 59 | |
| Loans / Assets | 18.73% | 33.06% | 50.92% | 63.03% | 7th pctl | 55 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||