Delevan, NY · Charter 21875
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
88
Asset Quality
20
Profitability
51
Liquidity
26
Efficiency
36
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.
Delevan, NY · Charter 21875
NCUA · 1 branch
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 | 1.52% | 1.18% | 1.17% | 1.31% | 1.25% | 1.00% | 1.42% | 0.95% | -37 bps | |
| Return on Equity | 7.53% | 5.74% | 5.70% | 6.47% | 5.86% | 4.65% | 6.67% | 4.45% | -201 bps | |
| Net Interest Margin | 4.30% | 4.27% | 3.94% | 4.14% | 4.50% | 4.62% | 4.73% | 4.28% | +15 bps | |
| Efficiency Ratio | 63.64% | 69.31% | 71.61% | 69.44% | 71.50% | 71.80% | 69.62% | 78.87% | +943 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.23% | -1.61% | 1.38% | 1.56% | -1.18% | 0.23% | 1.36% | -0.65% | -220 bps | |
| Loan Growth (YoY) | -8.01% | -11.73% | -7.78% | -4.82% | -4.25% | -5.62% | -7.02% | -7.73% | -291 bps | |
| Share Growth (YoY) | -5.35% | -3.52% | 0.42% | 0.54% | -2.85% | -0.98% | 0.39% | -1.81% | -235 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.38% | 1.19% | 1.09% | 1.42% | 2.59% | 1.67% | 0.91% | 1.54% | +12 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 | 0.28% | 0.17% | 0.21% | 0.28% | 0.42% | 0.44% | 0.55% | 0.62% | +34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.19% | 20.60% | 20.49% | 20.32% | 21.40% | 21.55% | 21.25% | 21.23% | +91 bps | |
| Net Worth / Assets | 20.19% | 20.60% | 20.49% | 20.32% | 21.40% | 21.55% | 21.25% | 21.23% | +91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.56% | 89.60% | 87.76% | 83.91% | 87.29% | 85.41% | 81.27% | 78.85% | -506 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Delevan, NY · Charter 21875 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 1 branch
Q2 2026
Return on Assets
0.96%
Rank 33 of 59
Net Interest Margin
4.29%
Rank 12 of 59
Efficiency Ratio
78.57%
Rank 39 of 59
Equity / Assets
21.23%
Rank 7 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.96% | 0.28% | 1.01% | 1.42% | Beats 44% | 33 / 59 | ||
| Return on Equity | 4.53% | 2.31% | 7.92% | 10.52% | Beats 29% | 42 / 59 | ||
| Net Interest Margin | 4.29% | 3.24% | 3.66% | 4.04% | Beats 80% | 12 / 59 | ||
| Efficiency Ratio | 78.57% | 63.53% | 74.15% | 82.44% | Beats 36% | 39 / 59 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.55% | 0.32% | 0.68% | 1.20% | Beats 20% | 48 / 59 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.23% | 10.94% | 13.05% | 16.06% | Beats 88% | 7 / 59 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 21.23% | 10.94% | 13.05% | 16.06% | Beats 88% | 7 / 59 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.86% | 40.49% | 57.59% | 78.86% | 75th pctl | 15 / 59 | ||
| Loans / Assets | 61.99% | 33.06% | 50.92% | 63.03% | 71st pctl | 17 / 59 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||