Valley Stream, NY · Charter 21831
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
20
Asset Quality
83
Profitability
60
Liquidity
0
Efficiency
42
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.
Valley Stream, NY · Charter 21831
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 | 0.09% | 0.28% | 0.37% | 0.59% | 0.84% | +76 bps | |
| Return on Equity | 0.91% | 2.69% | 3.61% | 5.88% | 8.45% | +754 bps | |
| Net Interest Margin | 2.71% | 3.05% | 3.09% | 3.53% | 3.72% | +101 bps | |
| Efficiency Ratio | 97.32% | 92.29% | 89.89% | 84.95% | 79.38% | -1,794 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.87% | 2.92% | 3.68% | 4.51% | 4.52% | +265 bps | |
| Loan Growth (YoY) | 0.03% | 1.37% | -2.17% | -5.69% | -4.55% | -458 bps | |
| Share Growth (YoY) | 2.37% | 3.44% | 3.84% | 4.30% | 4.18% | +181 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.14% | 0.14% | 0.07% | 0.06% | 0.22% | +8 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 | 9.69% | 10.42% | 10.22% | 9.98% | 10.00% | +31 bps | |
| Net Worth / Assets | 9.69% | 10.42% | 10.22% | 9.98% | 10.00% | +31 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 13.01% | 14.89% | 13.78% | 12.25% | 11.92% | -109 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Valley Stream, NY · Charter 21831 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 1 branch
Q2 2026
Return on Assets
0.84%
Rank 31 of 60
Net Interest Margin
3.72%
Rank 24 of 60
Efficiency Ratio
79.33%
Rank 36 of 60
Equity / Assets
9.99%
Rank 48 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.84% | 0.35% | 0.84% | 1.37% | Beats 48% | 31 / 60 | |
| Return on Equity | 8.42% | 2.76% | 6.36% | 10.04% | Beats 72% | 17 / 60 | |
| Net Interest Margin | 3.72% | 3.02% | 3.63% | 4.05% | Beats 60% | 24 / 60 | |
| Efficiency Ratio | 79.33% | 67.68% | 77.48% | 89.33% | Beats 42% | 36 / 60 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.20% | 0.32% | 0.64% | 1.44% | Beats 83% | 11 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.99% | 10.72% | 13.16% | 17.68% | Beats 20% | 48 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.99% | 10.72% | 13.16% | 17.68% | Beats 20% | 48 / 60 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 11.92% | 43.79% | 55.03% | 72.55% | 0th pctl | 60 / 60 | |
| Loans / Assets | 10.70% | 36.50% | 47.22% | 58.67% | 0th pctl | 60 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||