Batavia, NY · Charter 22167
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
29
Asset Quality
81
Profitability
73
Liquidity
96
Efficiency
71
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.
Batavia, NY · Charter 22167
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 | 1.15% | 1.22% | 0.98% | 1.24% | 1.40% | 1.37% | 1.23% | 1.42% | +18 bps | |
| Return on Equity | 11.58% | 11.99% | 9.62% | 12.00% | 12.85% | 12.62% | 11.25% | 12.78% | +78 bps | |
| Net Interest Margin | 3.32% | 3.38% | 3.52% | 3.62% | 3.79% | 3.70% | 3.68% | 3.74% | +12 bps | |
| Efficiency Ratio | 72.15% | 70.50% | 76.50% | 70.98% | 68.93% | 68.78% | 70.32% | 67.22% | -376 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.15% | 0.99% | 1.79% | 2.69% | 3.88% | 7.32% | 6.35% | 6.60% | +391 bps | |
| Loan Growth (YoY) | 6.99% | 2.58% | 2.77% | 3.48% | 2.29% | 2.90% | -0.01% | -2.79% | -627 bps | |
| Share Growth (YoY) | -2.06% | 0.17% | 1.09% | 1.86% | 2.75% | 6.46% | 5.38% | 5.70% | +384 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.04% | 0.07% | 0.06% | 0.05% | 0.04% | 0.07% | 0.17% | 0.19% | +14 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.90% | 10.21% | 10.14% | 10.33% | 10.89% | 10.85% | 10.91% | 11.09% | +76 bps | |
| Net Worth / Assets | 9.90% | 10.21% | 10.14% | 10.33% | 10.89% | 10.85% | 10.91% | 11.09% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.74% | 63.71% | 61.71% | 61.50% | 63.46% | 61.58% | 58.55% | 56.56% | -494 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Batavia, NY · Charter 22167 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 1 branch
Q2 2026
Return on Assets
1.42%
Rank 15 of 59
Net Interest Margin
3.74%
Rank 27 of 59
Efficiency Ratio
67.21%
Rank 18 of 59
Equity / Assets
11.09%
Rank 42 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.42% | 0.28% | 1.01% | 1.42% | Beats 75% | 15 / 59 | ||
| Return on Equity | 12.78% | 2.31% | 7.92% | 10.52% | Beats 90% | 6 / 59 | ||
| Net Interest Margin | 3.74% | 3.24% | 3.66% | 4.04% | Beats 54% | 27 / 59 | ||
| Efficiency Ratio | 67.21% | 63.53% | 74.15% | 82.44% | Beats 71% | 18 / 59 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.20% | 0.32% | 0.68% | 1.20% | Beats 81% | 12 / 59 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.09% | 10.94% | 13.05% | 16.06% | Beats 29% | 42 / 59 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.09% | 10.94% | 13.05% | 16.06% | Beats 29% | 42 / 59 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 56.56% | 40.49% | 57.59% | 78.86% | 47th pctl | 31 / 59 | ||
| Loans / Assets | 50.08% | 33.06% | 50.92% | 63.03% | 47th pctl | 31 / 59 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||