Geneseo, NY · Charter 21658
NCUA · 4 branches
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 Rochester, NY area (n=16). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
88
Asset Quality
87
Profitability
71
Liquidity
10
Efficiency
94
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.
Geneseo, NY · Charter 21658
NCUA · 4 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.55% | 2.46% | 2.23% | 2.64% | 2.64% | 2.52% | 2.01% | 1.95% | -69 bps | |
| Return on Equity | 17.13% | 16.42% | 14.88% | 17.24% | 16.57% | 15.60% | 12.42% | 11.76% | -548 bps | |
| Net Interest Margin | 4.23% | 4.09% | 4.02% | 4.50% | 4.06% | 4.02% | 3.91% | 3.78% | -72 bps | |
| Efficiency Ratio | 52.19% | 52.04% | 52.28% | 48.25% | 48.92% | 50.09% | 56.44% | 56.83% | +858 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.14% | 9.16% | 10.70% | 10.11% | 10.90% | 9.43% | 8.20% | 5.79% | -433 bps | |
| Loan Growth (YoY) | -4.55% | -5.08% | -5.93% | -5.62% | -7.73% | -8.55% | -9.66% | -11.45% | -582 bps | |
| Share Growth (YoY) | 3.14% | 7.89% | 9.95% | 9.04% | 9.67% | 7.83% | 6.55% | 4.10% | -495 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.18% | 0.16% | 0.15% | 0.07% | 0.11% | 0.04% | 0.19% | +4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.90% | 15.01% | 14.96% | 15.34% | 15.90% | 16.17% | 16.20% | 16.60% | +126 bps | |
| Net Worth / Assets | 14.90% | 15.01% | 14.96% | 15.34% | 15.90% | 16.17% | 16.20% | 16.60% | +126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.12% | 65.03% | 60.65% | 58.92% | 57.31% | 55.15% | 51.42% | 50.13% | -880 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Geneseo, NY · Charter 21658 · Peer group: credit unions under $1B in assets in the Rochester, NY area (n=16)
NCUA · 4 branches
Q2 2026
Return on Assets
1.95%
Rank 2 of 16
Net Interest Margin
3.78%
Rank 9 of 16
Efficiency Ratio
56.83%
Rank 2 of 16
Equity / Assets
16.60%
Rank 2 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.95% | 0.50% | 0.77% | 1.48% | Beats 88% | 2 / 16 | ||
| Return on Equity | 11.76% | 4.22% | 6.62% | 10.72% | Beats 81% | 3 / 16 | ||
| Net Interest Margin | 3.78% | 3.56% | 3.86% | 4.25% | Beats 44% | 9 / 16 | ||
| Efficiency Ratio | 56.83% | 74.18% | 80.46% | 85.46% | Beats 94% | 2 / 16 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.19% | 0.36% | 0.55% | 2.51% | Beats 87% | 3 / 16 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.60% | 9.57% | 11.10% | 14.62% | Beats 88% | 2 / 16 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.60% | 9.57% | 11.10% | 14.62% | Beats 88% | 2 / 16 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 50.13% | 57.16% | 70.70% | 77.55% | 19th pctl | 13 / 16 | ||
| Loans / Assets | 41.51% | 50.73% | 59.07% | 66.01% | 6th pctl | 15 / 16 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||