PackageTrendsPeer
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Tonawanda Community

Buffalo, NY · Charter 22464

NCUA · 1 branch

Q2 2026

$49.3MAssets
$14.0MLoans
$43.8MShares
$5.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.38%, down 26 bps year over year; NIM at 2.94%.
  • Asset quality: problem loans at 0.73% of loans (-60 bps YoY).
  • Capital: net worth / assets of 11.13%, up 94 bps from a year ago.
  • Funding: loans stand at 32.05% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.38%-26 bps YoY

Net Interest Margin (YTD, annualized)

2.94%+2 bps YoY

Efficiency Ratio (YTD, annualized)

59.36%+486 bps YoY

Net Worth / Assets

11.13%+94 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.64%1.66%1.60%1.30%1.38%-26 bps
Return on Equity16.06%15.56%14.90%12.12%12.37%-369 bps
Net Interest Margin2.92%3.00%2.96%2.91%2.94%+2 bps
Efficiency Ratio54.50%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 / Loans1.33%0.78%0.46%0.18%0.73%-60 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.19%10.67%10.75%10.70%11.13%+94 bps
Net Worth / Assets10.19%10.67%10.75%10.70%11.13%+94 bps
Liquidity & Funding
Loans / Shares33.02%33.55%33.34%32.32%32.05%-97 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps