Tonawanda Valley
Batavia, NY · Charter 22167 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 1 branch
Q2 2026
$170.7MAssets
$85.5MLoans
$151.1MShares
$18.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 90% of credit unions under $1B in assets in NY (rank 6 of 59).
- Widest gap: equity / assets trails 71% of credit unions under $1B in assets in NY (rank 42 of 59).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 |