PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Buffalo Metropolitan

Buffalo, NY · Charter 2209

NCUA · 1 branch

Q2 2026

$143.9MAssets
$118.0MLoans
$128.5MShares
$17.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.24%, down 7 bps year over year; NIM at 5.09%.
  • Asset quality: problem loans at 3.69% of loans (+60 bps YoY).
  • Capital: net worth / assets of 12.39%, up 37 bps from a year ago.
  • Funding: loans stand at 91.82% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.24%-7 bps YoY

Net Interest Margin (YTD, annualized)

5.09%-5 bps YoY

Efficiency Ratio (YTD, annualized)

89.46%+323 bps YoY

Net Worth / Assets

12.39%+37 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.31%0.35%0.57%0.31%0.24%-7 bps
Return on Equity2.57%2.86%4.66%2.50%1.96%-61 bps
Net Interest Margin5.14%5.18%5.14%5.00%5.09%-5 bps
Efficiency Ratio86.23%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 / Loans3.09%2.71%3.06%2.44%3.69%+60 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.01%12.14%12.26%12.23%12.39%+37 bps
Net Worth / Assets12.01%12.14%12.26%12.23%12.39%+37 bps
Liquidity & Funding
Loans / Shares92.12%94.04%92.90%90.99%91.82%-30 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps