Buffalo, NY · Charter 22464
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 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
30
Asset Quality
45
Profitability
64
Liquidity
0
Efficiency
85
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 22464
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.64% | 1.66% | 1.60% | 1.30% | 1.38% | -26 bps | |
| Return on Equity | 16.06% | 15.56% | 14.90% | 12.12% | 12.37% | -369 bps | |
| Net Interest Margin | 2.92% | 3.00% | 2.96% | 2.91% | 2.94% | +2 bps | |
| Efficiency Ratio | 54.50% | 54.44% | 54.82% | 61.63% | 59.36% | +486 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.82% | 4.25% | 7.09% | 6.02% | 5.46% | +264 bps | |
| Loan Growth (YoY) | -1.69% | -2.31% | 0.67% | 2.94% | 1.35% | +304 bps | |
| Share Growth (YoY) | 1.46% | 2.54% | 6.28% | 4.44% | 4.42% | +296 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.33% | 0.78% | 0.46% | 0.18% | 0.73% | -60 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.19% | 10.67% | 10.75% | 10.70% | 11.13% | +94 bps | |
| Net Worth / Assets | 10.19% | 10.67% | 10.75% | 10.70% | 11.13% | +94 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 33.02% | 33.55% | 33.34% | 32.32% | 32.05% | -97 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Buffalo, NY · Charter 22464 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 1 branch
Q2 2026
Return on Assets
1.38%
Rank 14 of 60
Net Interest Margin
2.94%
Rank 47 of 60
Efficiency Ratio
59.40%
Rank 10 of 60
Equity / Assets
11.13%
Rank 42 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.38% | 0.35% | 0.84% | 1.37% | Beats 77% | 14 / 60 | |
| Return on Equity | 12.36% | 2.76% | 6.36% | 10.04% | Beats 92% | 5 / 60 | |
| Net Interest Margin | 2.94% | 3.02% | 3.63% | 4.05% | Beats 22% | 47 / 60 | |
| Efficiency Ratio | 59.40% | 67.68% | 77.48% | 89.33% | Beats 85% | 10 / 60 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.73% | 0.32% | 0.64% | 1.44% | Beats 45% | 34 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.13% | 10.72% | 13.16% | 17.68% | Beats 30% | 42 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.13% | 10.72% | 13.16% | 17.68% | Beats 30% | 42 / 60 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 32.05% | 43.79% | 55.03% | 72.55% | 8th pctl | 55 / 60 | |
| Loans / Assets | 28.47% | 36.50% | 47.22% | 58.67% | 10th pctl | 54 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||