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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.33% | 0.28% | 1.01% | 1.42% | Beats 68% | 19 / 59 | |
| Return on Equity | 7.73% | 2.31% | 7.92% | 10.52% | Beats 47% | 31 / 59 | |
| Net Interest Margin | 2.76% | 3.24% | 3.66% | 4.04% | Beats 10% | 53 / 59 | |
| Efficiency Ratio | 58.42% | 63.53% | 74.15% | 82.44% | Beats 88% | 8 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.32% | 0.68% | 1.20% | Beats 100% | 4 / 59 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.16% | 10.94% | 13.05% | 16.06% | Beats 78% | 13 / 59 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.16% | 10.94% | 13.05% | 16.06% | Beats 78% | 13 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 40.49% | 40.49% | 57.59% | 78.86% | 24th pctl | 45 / 59 | |
| Loans / Assets | 33.55% | 33.06% | 50.92% | 63.03% | 25th pctl | 44 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |