Saratoga Spring, NY · Charter 24036
NCUA · 1 branch
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
10
Asset Quality
42
Profitability
55
Liquidity
18
Efficiency
86
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.
Saratoga Spring, NY · Charter 24036
NCUA · 1 branch
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 | 1.20% | 1.14% | 0.82% | 1.39% | 1.53% | 1.71% | 0.81% | 0.87% | -53 bps | |
| Return on Equity | 16.22% | 16.47% | 12.26% | 18.08% | 18.87% | 20.69% | 8.86% | 9.80% | -828 bps | |
| Net Interest Margin | 2.63% | 2.43% | 2.54% | 2.98% | 3.09% | 3.08% | 3.54% | 3.34% | +37 bps | |
| Efficiency Ratio | 61.27% | 59.50% | 56.22% | 51.31% | 49.76% | 48.46% | 64.74% | 62.28% | +1,098 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.93% | -10.13% | 16.68% | 7.81% | 10.50% | 2.13% | -9.85% | 3.40% | -441 bps | |
| Loan Growth (YoY) | 20.69% | 19.93% | 19.51% | 14.41% | 17.94% | 16.77% | 14.37% | 12.30% | -211 bps | |
| Share Growth (YoY) | -14.05% | -11.76% | 17.31% | 6.34% | 9.93% | 0.56% | -12.65% | 1.89% | -446 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.63% | 0.93% | 0.26% | 0.56% | 0.76% | 0.68% | 0.66% | 0.81% | +25 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 | 7.43% | 6.95% | 6.67% | 7.71% | 8.12% | 8.28% | 9.13% | 8.87% | +116 bps | |
| Net Worth / Assets | 7.43% | 6.95% | 6.67% | 7.71% | 8.12% | 8.28% | 9.13% | 8.87% | +116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.49% | 36.35% | 34.81% | 40.00% | 42.37% | 42.21% | 45.58% | 44.09% | +409 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Saratoga Spring, NY · Charter 24036 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.87%
Rank 717 of 1,683
Net Interest Margin
3.34%
Rank 1,253 of 1,683
Efficiency Ratio
62.35%
Rank 229 of 1,682
Equity / Assets
8.87%
Rank 1,522 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.87% | 0.35% | 0.74% | 1.18% | Beats 57% | 717 / 1,683 | ||
| Return on Equity | 9.81% | 2.67% | 5.89% | 8.74% | Beats 82% | 304 / 1,681 | ||
| Net Interest Margin | 3.34% | 3.31% | 3.82% | 4.32% | Beats 26% | 1,253 / 1,683 | ||
| Efficiency Ratio | 62.35% | 68.91% | 78.20% | 86.93% | Beats 86% | 229 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.82% | 0.26% | 0.65% | 1.29% | Beats 42% | 971 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.87% | 10.44% | 12.89% | 16.53% | Beats 10% | 1,522 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.87% | 10.44% | 12.89% | 16.53% | Beats 10% | 1,522 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 44.09% | 52.61% | 69.38% | 83.50% | 15th pctl | 1,424 / 1,683 | ||
| Loans / Assets | 39.90% | 44.71% | 59.18% | 70.72% | 19th pctl | 1,366 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||