Albany, NY · Charter 24690
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
37
Asset Quality
60
Profitability
25
Liquidity
55
Efficiency
42
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.
Albany, NY · Charter 24690
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 | 0.47% | 0.49% | 0.68% | 0.91% | 0.83% | 0.90% | 0.20% | -0.01% | -93 bps | |
| Return on Equity | 3.88% | 4.09% | 5.75% | 7.57% | 7.22% | 7.31% | 1.63% | -0.13% | -770 bps | |
| Net Interest Margin | 3.64% | 3.65% | 3.77% | 3.91% | 3.71% | 3.95% | 3.92% | 3.86% | -5 bps | |
| Efficiency Ratio | 82.64% | 82.54% | 79.07% | 75.82% | 73.99% | 74.13% | 78.97% | 81.05% | +523 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.24% | 9.47% | 13.69% | 11.24% | 11.96% | 4.98% | 4.70% | 7.71% | -353 bps | |
| Loan Growth (YoY) | 1.95% | 0.88% | 2.55% | 1.95% | 7.77% | 6.80% | 9.57% | 8.80% | +684 bps | |
| Share Growth (YoY) | 3.13% | 10.35% | 15.22% | 12.15% | 12.72% | 4.57% | 4.45% | 8.32% | -383 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.05% | 1.82% | 0.00% | 0.10% | 0.00% | 0.84% | 0.97% | 0.49% | +39 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 | 12.07% | 12.05% | 11.83% | 12.07% | 11.54% | 12.38% | 12.06% | 11.63% | -45 bps | |
| Net Worth / Assets | 12.07% | 12.05% | 11.83% | 12.07% | 11.54% | 12.38% | 12.06% | 11.63% | -45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.99% | 56.01% | 54.26% | 55.36% | 53.53% | 57.21% | 56.91% | 55.61% | +24 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Albany, NY · Charter 24690 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.01%
Rank 1,491 of 1,683
Net Interest Margin
3.86%
Rank 809 of 1,683
Efficiency Ratio
81.01%
Rank 980 of 1,682
Equity / Assets
11.63%
Rank 1,057 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.01% | 0.35% | 0.74% | 1.18% | Beats 11% | 1,491 / 1,683 | ||
| Return on Equity | -0.10% | 2.67% | 5.89% | 8.74% | Beats 11% | 1,491 / 1,681 | ||
| Net Interest Margin | 3.86% | 3.31% | 3.82% | 4.32% | Beats 52% | 809 / 1,683 | ||
| Efficiency Ratio | 81.01% | 68.91% | 78.20% | 86.93% | Beats 42% | 980 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.49% | 0.26% | 0.65% | 1.29% | Beats 60% | 672 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.63% | 10.44% | 12.89% | 16.53% | Beats 37% | 1,057 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.63% | 10.44% | 12.89% | 16.53% | Beats 37% | 1,057 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 55.61% | 52.61% | 69.38% | 83.50% | 29th pctl | 1,200 / 1,683 | ||
| Loans / Assets | 49.11% | 44.71% | 59.18% | 70.72% | 32nd pctl | 1,143 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||