Buffalo, NY · Charter 2209
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
43
Asset Quality
8
Profitability
47
Liquidity
0
Efficiency
23
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 2209
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 | 0.31% | 0.35% | 0.57% | 0.31% | 0.24% | -7 bps | |
| Return on Equity | 2.57% | 2.86% | 4.66% | 2.50% | 1.96% | -61 bps | |
| Net Interest Margin | 5.14% | 5.18% | 5.14% | 5.00% | 5.09% | -5 bps | |
| Efficiency Ratio | 86.23% | 86.38% | 82.99% | 86.02% | 89.46% | +323 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.29% | 0.61% | 3.52% | 0.59% | 1.42% | +171 bps | |
| Loan Growth (YoY) | 0.42% | 2.60% | 3.22% | 3.80% | 1.57% | +116 bps | |
| Share Growth (YoY) | -0.88% | 0.36% | 3.41% | 0.16% | 1.91% | +279 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.09% | 2.71% | 3.06% | 2.44% | 3.69% | +60 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 | 12.01% | 12.14% | 12.26% | 12.23% | 12.39% | +37 bps | |
| Net Worth / Assets | 12.01% | 12.14% | 12.26% | 12.23% | 12.39% | +37 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.12% | 94.04% | 92.90% | 90.99% | 91.82% | -30 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Buffalo, NY · Charter 2209 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 1 branch
Q2 2026
Return on Assets
0.24%
Rank 48 of 60
Net Interest Margin
5.09%
Rank 1 of 60
Efficiency Ratio
89.46%
Rank 47 of 60
Equity / Assets
12.39%
Rank 34 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.24% | 0.35% | 0.84% | 1.37% | Beats 20% | 48 / 60 | |
| Return on Equity | 1.96% | 2.76% | 6.36% | 10.04% | Beats 23% | 46 / 60 | |
| Net Interest Margin | 5.09% | 3.02% | 3.63% | 4.05% | Beats 98% | 1 / 60 | |
| Efficiency Ratio | 89.46% | 67.68% | 77.48% | 89.33% | Beats 23% | 47 / 60 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.69% | 0.32% | 0.64% | 1.44% | Beats 8% | 56 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.39% | 10.72% | 13.16% | 17.68% | Beats 43% | 34 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.39% | 10.72% | 13.16% | 17.68% | Beats 43% | 34 / 60 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.82% | 43.79% | 55.03% | 72.55% | 93rd pctl | 4 / 60 | |
| Loans / Assets | 81.99% | 36.50% | 47.22% | 58.67% | 98th pctl | 1 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||