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Town of Cheektowaga

Cheektowaga, NY · Charter 23717

NCUA · 1 branch

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

78

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

42

Q2 2024Q2 2026peer median

Efficiency

88

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

Town of Cheektowaga

Cheektowaga, NY · Charter 23717

NCUA · 1 branch

Q2 2026

$38.1MAssets
$12.8MLoans
$31.6MShares
$6.5MNet 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 1.33%, up 10 bps year over year; NIM at 2.76%.
  • Asset quality: problem loans at 0.00% of loans (-14 bps YoY).
  • Capital: net worth / assets of 17.16%, up 76 bps from a year ago.
  • Funding: loans stand at 40.49% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.33%+10 bps YoY

Net Interest Margin (YTD, annualized)

2.76%+12 bps YoY

Efficiency Ratio (YTD, annualized)

58.30%-22 bps YoY

Net Worth / Assets

17.16%+76 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.22%1.35%1.31%1.27%1.33%+10 bps
Return on Equity7.46%8.15%7.58%7.49%7.73%+28 bps
Net Interest Margin2.65%2.74%2.81%2.72%2.76%+12 bps
Efficiency Ratio58.52%56.06%56.74%59.58%58.30%-22 bps
Growth
Asset Growth (YoY)4.97%3.26%0.92%3.77%3.55%-142 bps
Loan Growth (YoY)-6.32%-1.28%0.58%5.35%0.77%+708 bps
Share Growth (YoY)4.34%2.25%-0.47%2.88%2.61%-174 bps
Asset Quality
Delinquent Loans / Loans0.14%0.12%0.02%0.00%0.00%-14 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 Capital16.40%16.60%17.28%16.96%17.16%+76 bps
Net Worth / Assets16.40%16.60%17.28%16.96%17.16%+76 bps
Liquidity & Funding
Loans / Shares41.23%42.29%43.12%41.33%40.49%-74 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

Town of Cheektowaga

Cheektowaga, NY · Charter 23717 · Peer group: credit unions under $1B in assets in NY (n=59)

NCUA · 1 branch

Q2 2026

$38.1MAssets
$12.8MLoans
$31.6MShares
$6.5MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in NY (rank 4 of 59).
  • Widest gap: net interest margin trails 90% of credit unions under $1B in assets in NY (rank 53 of 59).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

1.33%

Rank 19 of 59

Net Interest Margin

2.76%

Rank 53 of 59

Efficiency Ratio

58.42%

Rank 8 of 59

Equity / Assets

17.16%

Rank 13 of 59

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.33%0.28%1.01%1.42%Beats 68%19 / 59
Return on Equity7.73%2.31%7.92%10.52%Beats 47%31 / 59
Net Interest Margin2.76%3.24%3.66%4.04%Beats 10%53 / 59
Efficiency Ratio58.42%63.53%74.15%82.44%Beats 88%8 / 59
Asset Quality
Nonperforming Loans / Loans0.00%0.32%0.68%1.20%Beats 100%4 / 59
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio17.16%10.94%13.05%16.06%Beats 78%13 / 59
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets17.16%10.94%13.05%16.06%Beats 78%13 / 59
Liquidity & Funding
Loans / Deposits40.49%40.49%57.59%78.86%24th pctl45 / 59
Loans / Assets33.55%33.06%50.92%63.03%25th pctl44 / 59
Brokered Deposits / Depositsn/aNot reported for this institution