Oswego, NY · Charter 21927
NCUA · 5 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 (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
41
Asset Quality
13
Profitability
83
Liquidity
59
Efficiency
51
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.
Oswego, NY · Charter 21927
NCUA · 5 branches
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 | 1.02% | 1.27% | 1.24% | 1.12% | 1.24% | +22 bps | |
| Return on Equity | 8.90% | 10.62% | 10.38% | 9.54% | 10.26% | +136 bps | |
| Net Interest Margin | 4.77% | 4.84% | 4.82% | 4.69% | 4.78% | +2 bps | |
| Efficiency Ratio | 83.36% | 79.66% | 79.89% | 74.89% | 77.84% | -552 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.56% | 5.52% | 6.41% | 6.27% | 5.82% | +26 bps | |
| Loan Growth (YoY) | -0.50% | -1.59% | -1.16% | -1.70% | 0.82% | +132 bps | |
| Share Growth (YoY) | 5.89% | 4.75% | 5.16% | 5.38% | 4.83% | -106 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.62% | 0.99% | 2.30% | 2.28% | 2.06% | +44 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 | 11.43% | 11.95% | 11.91% | 11.77% | 12.07% | +63 bps | |
| Net Worth / Assets | 11.43% | 11.95% | 11.91% | 11.77% | 12.07% | +63 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.78% | 82.42% | 80.54% | 76.58% | 78.65% | -312 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Oswego, NY · Charter 21927 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
1.24%
Rank 382 of 1,683
Net Interest Margin
4.78%
Rank 216 of 1,683
Efficiency Ratio
77.85%
Rank 826 of 1,682
Equity / Assets
12.07%
Rank 985 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.24% | 0.35% | 0.74% | 1.18% | Beats 77% | 382 / 1,683 | |
| Return on Equity | 10.26% | 2.67% | 5.89% | 8.74% | Beats 84% | 263 / 1,681 | |
| Net Interest Margin | 4.78% | 3.31% | 3.82% | 4.32% | Beats 87% | 216 / 1,683 | |
| Efficiency Ratio | 77.85% | 68.91% | 78.20% | 86.93% | Beats 51% | 826 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.06% | 0.26% | 0.65% | 1.29% | Beats 13% | 1,458 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.07% | 10.44% | 12.89% | 16.53% | Beats 41% | 985 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.07% | 10.44% | 12.89% | 16.53% | Beats 41% | 985 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.65% | 52.61% | 69.38% | 83.50% | 67th pctl | 558 / 1,683 | |
| Loans / Assets | 68.41% | 44.71% | 59.18% | 70.72% | 70th pctl | 501 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||