Cheektowaga, NY · Charter 23717
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 | 1.22% | 1.35% | 1.31% | 1.27% | 1.33% | +10 bps | |
| Return on Equity | 7.46% | 8.15% | 7.58% | 7.49% | 7.73% | +28 bps | |
| Net Interest Margin | 2.65% | 2.74% | 2.81% | 2.72% | 2.76% | +12 bps | |
| Efficiency Ratio | 58.52% | 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 / Loans | 0.14% | 0.12% | 0.02% | 0.00% | 0.00% | -14 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 | 16.40% | 16.60% | 17.28% | 16.96% | 17.16% | +76 bps | |
| Net Worth / Assets | 16.40% | 16.60% | 17.28% | 16.96% | 17.16% | +76 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.23% | 42.29% | 43.12% | 41.33% | 40.49% | -74 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |