Ithaca, NY · Charter 22962
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
23
Asset Quality
3
Profitability
63
Liquidity
0
Efficiency
19
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.
Ithaca, NY · Charter 22962
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 | -0.15% | -0.24% | 0.34% | 0.94% | 0.64% | +79 bps | |
| Return on Equity | -1.44% | -2.42% | 3.31% | 9.06% | 6.28% | +773 bps | |
| Net Interest Margin | 5.14% | 4.97% | 5.08% | 4.77% | 5.16% | +2 bps | |
| Efficiency Ratio | 87.40% | 93.97% | 86.67% | 82.71% | 89.02% | +162 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.08% | 5.55% | 4.29% | 6.33% | 0.28% | -480 bps | |
| Loan Growth (YoY) | -9.38% | -7.90% | -12.00% | -11.19% | -14.57% | -519 bps | |
| Share Growth (YoY) | 6.12% | 6.60% | 4.44% | 6.66% | 0.36% | -577 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.59% | 1.09% | 1.81% | 7.72% | 5.70% | +511 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 | 10.15% | 9.84% | 10.35% | 10.41% | 10.21% | +6 bps | |
| Net Worth / Assets | 10.15% | 9.84% | 10.35% | 10.41% | 10.21% | +6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.86% | 38.75% | 36.64% | 35.54% | 34.78% | -608 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ithaca, NY · Charter 22962 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.65%
Rank 956 of 1,683
Net Interest Margin
5.16%
Rank 118 of 1,683
Efficiency Ratio
89.24%
Rank 1,358 of 1,682
Equity / Assets
10.21%
Rank 1,301 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.65% | 0.35% | 0.74% | 1.18% | Beats 43% | 956 / 1,683 | |
| Return on Equity | 6.32% | 2.67% | 5.89% | 8.74% | Beats 54% | 768 / 1,681 | |
| Net Interest Margin | 5.16% | 3.31% | 3.82% | 4.32% | Beats 93% | 118 / 1,683 | |
| Efficiency Ratio | 89.24% | 68.91% | 78.20% | 86.93% | Beats 19% | 1,358 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 5.71% | 0.26% | 0.65% | 1.29% | Beats 3% | 1,637 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.21% | 10.44% | 12.89% | 16.53% | Beats 23% | 1,301 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.21% | 10.44% | 12.89% | 16.53% | Beats 23% | 1,301 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 34.78% | 52.61% | 69.38% | 83.50% | 7th pctl | 1,559 / 1,683 | |
| Loans / Assets | 31.12% | 44.71% | 59.18% | 70.72% | 9th pctl | 1,533 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||