Ithaca, NY · Charter 23283
NCUA · 2 branches
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
9
Asset Quality
4
Profitability
28
Liquidity
94
Efficiency
12
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 23283
NCUA · 2 branches
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 | 0.40% | 0.21% | -0.09% | -0.19% | -1.02% | -1.14% | -1.19% | -1.01% | -82 bps | |
| Return on Equity | 3.49% | 1.88% | -0.79% | -1.71% | -9.78% | -11.42% | -12.23% | -11.44% | -973 bps | |
| Net Interest Margin | 3.84% | 3.92% | 3.84% | 3.96% | 4.07% | 4.15% | 4.35% | 4.37% | +40 bps | |
| Efficiency Ratio | 84.39% | 90.50% | 101.86% | 100.65% | 97.47% | 96.43% | 93.71% | 93.67% | -699 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.02% | 10.43% | 14.83% | -0.52% | 0.01% | -1.46% | -4.07% | -3.57% | -305 bps | |
| Loan Growth (YoY) | 9.67% | 8.04% | 6.92% | -8.05% | -8.26% | 0.08% | 0.61% | 6.63% | +1,468 bps | |
| Share Growth (YoY) | 7.80% | 10.40% | 15.47% | -0.65% | 1.11% | 0.88% | -2.30% | -2.32% | -166 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.02% | 5.12% | 3.94% | 5.95% | 5.63% | 6.03% | 3.72% | 4.71% | -123 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 | 11.52% | 11.21% | 11.02% | 11.04% | 10.44% | 9.95% | 9.76% | 8.83% | -222 bps | |
| Net Worth / Assets | 11.52% | 11.21% | 11.02% | 11.04% | 10.44% | 9.95% | 9.76% | 8.83% | -222 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.85% | 65.01% | 62.07% | 61.79% | 59.74% | 64.50% | 63.92% | 67.45% | +566 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ithaca, NY · Charter 23283 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
-1.01%
Rank 1,618 of 1,683
Net Interest Margin
4.37%
Rank 395 of 1,683
Efficiency Ratio
93.67%
Rank 1,478 of 1,682
Equity / Assets
8.83%
Rank 1,529 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.01% | 0.35% | 0.74% | 1.18% | Beats 4% | 1,618 / 1,683 | ||
| Return on Equity | -11.44% | 2.67% | 5.89% | 8.74% | Beats 3% | 1,630 / 1,681 | ||
| Net Interest Margin | 4.37% | 3.31% | 3.82% | 4.32% | Beats 77% | 395 / 1,683 | ||
| Efficiency Ratio | 93.67% | 68.91% | 78.20% | 86.93% | Beats 12% | 1,478 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.71% | 0.26% | 0.65% | 1.29% | Beats 4% | 1,623 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.83% | 10.44% | 12.89% | 16.53% | Beats 9% | 1,529 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.83% | 10.44% | 12.89% | 16.53% | Beats 9% | 1,529 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.45% | 52.61% | 69.38% | 83.50% | 46th pctl | 906 / 1,683 | ||
| Loans / Assets | 60.37% | 44.71% | 59.18% | 70.72% | 53rd pctl | 795 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||