Cooperstown, NY · Charter 22625
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 NY (n=59). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
39
Asset Quality
51
Profitability
67
Liquidity
65
Efficiency
76
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.
Cooperstown, NY · Charter 22625
NCUA · 1 branch
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 | 1.80% | 1.59% | 1.33% | 1.63% | 1.60% | 1.44% | 1.07% | 1.31% | -32 bps | |
| Return on Equity | 14.35% | 12.98% | 11.05% | 13.35% | 13.08% | 11.88% | 9.19% | 10.89% | -247 bps | |
| Net Interest Margin | 4.25% | 4.13% | 4.06% | 4.07% | 4.03% | 3.98% | 3.76% | 3.81% | -25 bps | |
| Efficiency Ratio | 55.70% | 59.54% | 63.56% | 59.31% | 58.94% | 62.00% | 65.81% | 63.53% | +422 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.00% | 20.21% | 20.02% | 14.66% | 14.98% | 13.32% | 15.38% | 12.14% | -253 bps | |
| Loan Growth (YoY) | 7.76% | 2.69% | 5.29% | 9.78% | 13.16% | 13.97% | 11.39% | 3.22% | -656 bps | |
| Share Growth (YoY) | 14.74% | 21.11% | 20.88% | 14.74% | 15.14% | 13.16% | 15.70% | 12.16% | -257 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.22% | 1.57% | 1.26% | 1.05% | 1.17% | 0.99% | 0.75% | 0.68% | -37 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 | 12.51% | 12.22% | 12.05% | 12.19% | 12.23% | 12.12% | 11.68% | 12.06% | -13 bps | |
| Net Worth / Assets | 12.51% | 12.22% | 12.05% | 12.19% | 12.23% | 12.12% | 11.68% | 12.06% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.73% | 70.18% | 68.71% | 73.38% | 73.44% | 70.68% | 66.14% | 67.53% | -585 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cooperstown, NY · Charter 22625 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 1 branch
Q2 2026
Return on Assets
1.31%
Rank 21 of 59
Net Interest Margin
3.81%
Rank 24 of 59
Efficiency Ratio
63.53%
Rank 15 of 59
Equity / Assets
12.06%
Rank 36 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.31% | 0.28% | 1.01% | 1.42% | Beats 64% | 21 / 59 | ||
| Return on Equity | 10.88% | 2.31% | 7.92% | 10.52% | Beats 78% | 13 / 59 | ||
| Net Interest Margin | 3.81% | 3.24% | 3.66% | 4.04% | Beats 59% | 24 / 59 | ||
| Efficiency Ratio | 63.53% | 63.53% | 74.15% | 82.44% | Beats 76% | 15 / 59 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.68% | 0.32% | 0.68% | 1.20% | Beats 51% | 30 / 59 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.06% | 10.94% | 13.05% | 16.06% | Beats 39% | 36 / 59 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.06% | 10.94% | 13.05% | 16.06% | Beats 39% | 36 / 59 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.53% | 40.49% | 57.59% | 78.86% | 63rd pctl | 22 / 59 | ||
| Loans / Assets | 59.31% | 33.06% | 50.92% | 63.03% | 68th pctl | 19 / 59 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||