Buffalo, NY · Charter 22220
NCUA · 2 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 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
75
Asset Quality
92
Profitability
68
Liquidity
29
Efficiency
45
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 22220
NCUA · 2 branches
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 | 1.67% | 1.84% | 1.75% | 1.76% | 1.85% | 1.85% | 0.69% | 1.16% | -60 bps | |
| Return on Equity | 11.18% | 11.31% | 11.05% | 10.82% | 11.33% | 10.98% | 4.13% | 6.55% | -427 bps | |
| Net Interest Margin | 4.27% | 4.53% | 4.36% | 4.44% | 4.39% | 4.36% | 4.07% | 4.37% | -7 bps | |
| Efficiency Ratio | 67.56% | 67.11% | 65.80% | 66.73% | 65.45% | 65.51% | 83.17% | 78.89% | +1,216 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.05% | -3.99% | -2.02% | 0.71% | 3.11% | 8.04% | 4.26% | 0.76% | +5 bps | |
| Loan Growth (YoY) | 6.81% | -2.88% | -3.63% | -2.49% | -7.81% | -8.34% | -8.84% | -7.16% | -468 bps | |
| Share Growth (YoY) | -6.56% | -6.83% | -4.48% | -1.44% | 1.30% | 7.24% | 3.04% | -1.00% | +44 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.13% | 0.13% | 0.00% | 0.10% | +10 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 | 14.97% | 16.24% | 15.86% | 16.27% | 16.33% | 16.84% | 16.74% | 17.69% | +142 bps | |
| Net Worth / Assets | 14.97% | 16.24% | 15.86% | 16.27% | 16.33% | 16.84% | 16.74% | 17.69% | +142 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.94% | 85.09% | 79.59% | 78.98% | 74.57% | 72.73% | 70.42% | 74.06% | -492 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Buffalo, NY · Charter 22220 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 2 branches
Q2 2026
Return on Assets
1.15%
Rank 22 of 60
Net Interest Margin
4.36%
Rank 7 of 60
Efficiency Ratio
79.06%
Rank 34 of 60
Equity / Assets
17.68%
Rank 15 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.15% | 0.35% | 0.84% | 1.37% | Beats 63% | 22 / 60 | ||
| Return on Equity | 6.53% | 2.76% | 6.36% | 10.04% | Beats 52% | 29 / 60 | ||
| Net Interest Margin | 4.36% | 3.02% | 3.63% | 4.05% | Beats 88% | 7 / 60 | ||
| Efficiency Ratio | 79.06% | 67.68% | 77.48% | 89.33% | Beats 45% | 34 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.10% | 0.32% | 0.64% | 1.44% | Beats 92% | 6 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.68% | 10.72% | 13.16% | 17.68% | Beats 75% | 15 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.68% | 10.72% | 13.16% | 17.68% | Beats 75% | 15 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.06% | 43.79% | 55.03% | 72.55% | 80th pctl | 12 / 60 | ||
| Loans / Assets | 60.62% | 36.50% | 47.22% | 58.67% | 77th pctl | 14 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||