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Tri-Lakes

Saranac Lake, NY · Charter 23198

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in NY3

Basis

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.

Peer group

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.

Peer standing

Capital

53

Q2 2024Q2 2026peer median (50)

Asset Quality

92

Q2 2024Q2 2026peer median (50)

Profitability

81

Q2 2024Q2 2026peer median (50)

Liquidity

72

Q2 2024Q2 2026peer median

Efficiency

75

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Tri-Lakes

Saranac Lake, NY · Charter 23198

NCUA · 2 branches

Q2 2026

$28.7MAssets
$12.2MLoans
$24.6MShares
$3.9MNet 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 1.48%, down 50 bps year over year; NIM at 4.30%.
  • Asset quality: problem loans at 0.03% of loans (-38 bps YoY).
  • Capital: net worth / assets of 13.54%, up 103 bps from a year ago.
  • Funding: loans stand at 49.51% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.48%-50 bps YoY

Net Interest Margin (YTD, annualized)

4.30%-4 bps YoY

Efficiency Ratio (YTD, annualized)

65.45%+407 bps YoY

Net Worth / Assets

13.54%+103 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.97%1.94%1.95%1.00%1.48%-50 bps
Return on Equity15.78%14.65%14.31%7.57%10.91%-488 bps
Net Interest Margin4.34%4.49%4.51%4.25%4.30%-4 bps
Efficiency Ratio61.38%63.49%63.61%68.68%65.45%+407 bps
Growth
Asset Growth (YoY)3.45%-0.42%3.24%5.36%5.12%+167 bps
Loan Growth (YoY)-2.33%-7.17%-4.89%-2.40%-2.34%-1 bps
Share Growth (YoY)1.92%-2.44%1.66%4.21%4.33%+241 bps
Asset Quality
Delinquent Loans / Loans0.42%0.42%0.78%0.30%0.03%-38 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 Capital12.51%13.25%13.60%13.19%13.54%+103 bps
Net Worth / Assets12.51%13.25%13.60%13.19%13.54%+103 bps
Liquidity & Funding
Loans / Shares52.89%52.57%52.30%48.34%49.51%-338 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Tri-Lakes

Saranac Lake, NY · Charter 23198 · Peer group: credit unions under $1B in assets in NY (n=59)

NCUA · 2 branches

Q2 2026

$28.7MAssets
$12.2MLoans
$24.6MShares
$3.9MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 92% of credit unions under $1B in assets in NY (rank 6 of 59).
  • Widest gap: equity / assets trails 47% of credit unions under $1B in assets in NY (rank 28 of 59).
  • Overall: at or above the peer median on 7 of 7 directional measures.

Return on Assets

1.48%

Rank 11 of 59

Net Interest Margin

4.30%

Rank 11 of 59

Efficiency Ratio

65.45%

Rank 16 of 59

Equity / Assets

13.54%

Rank 28 of 59

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.48%0.28%1.01%1.42%Beats 81%11 / 59
Return on Equity10.92%2.31%7.92%10.52%Beats 80%12 / 59
Net Interest Margin4.30%3.24%3.66%4.04%Beats 81%11 / 59
Efficiency Ratio65.45%63.53%74.15%82.44%Beats 75%16 / 59
Asset Quality
Nonperforming Loans / Loans0.03%0.32%0.68%1.20%Beats 92%6 / 59
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.54%10.94%13.05%16.06%Beats 53%28 / 59
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.54%10.94%13.05%16.06%Beats 53%28 / 59
Liquidity & Funding
Loans / Deposits49.51%40.49%57.59%78.86%37th pctl37 / 59
Loans / Assets42.45%33.06%50.92%63.03%37th pctl37 / 59
Brokered Deposits / Depositsn/aNot reported for this institution