Kaleida Health 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
$19.8M Assets
$12.0M Loans
$16.2M Shares
$3.5M Net Worth
Executive Summary Strongest standing: nonperforming loans / loans outperforms 92% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 6 of 60). Widest gap: efficiency ratio trails 55% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 34 of 60). Overall: at or above the peer median on 6 of 7 directional measures. 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 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
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11