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Radius

Kenmore, NY · Charter 24715

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 the Buffalo-Cheektowaga, NY area3

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 the Buffalo-Cheektowaga, NY area (n=60). 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

70

Q2 2024Q2 2026peer median (50)

Asset Quality

12

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

57

Q2 2024Q2 2026peer median

Efficiency

47

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

Radius

Kenmore, NY · Charter 24715

NCUA · 1 branch

Q2 2026

$87.2MAssets
$50.4MLoans
$75.7MShares
$13.8MNet 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 1.14%, unchanged from a year ago; NIM at 4.18%.
  • Asset quality: problem loans at 2.50% of loans (+160 bps YoY).
  • Capital: net worth / assets of 15.84%, up 162 bps from a year ago.
  • Funding: loans stand at 66.53% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.14%0 bps YoY

Net Interest Margin (YTD, annualized)

4.18%-3 bps YoY

Efficiency Ratio (YTD, annualized)

77.64%+518 bps YoY

Net Worth / Assets

15.84%+162 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.14%1.52%1.75%1.02%1.14%0 bps
Return on Equity8.02%10.37%14.63%6.61%7.18%-84 bps
Net Interest Margin4.21%4.13%4.33%4.10%4.18%-3 bps
Efficiency Ratio72.46%68.63%65.90%79.86%77.64%+518 bps
Growth
Asset Growth (YoY)-0.54%34.08%33.05%32.38%33.08%+3,362 bps
Loan Growth (YoY)5.58%20.86%17.40%13.40%9.85%+426 bps
Share Growth (YoY)-2.48%31.92%33.68%33.24%34.73%+3,722 bps
Asset Quality
Delinquent Loans / Loans0.90%1.39%1.68%1.13%2.50%+160 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 Capital14.22%14.70%11.95%15.40%15.84%+162 bps
Net Worth / Assets14.22%14.70%11.95%15.40%15.84%+162 bps
Liquidity & Funding
Loans / Shares81.61%72.10%70.11%67.29%66.53%-1,507 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

Radius

Kenmore, NY · Charter 24715 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)

NCUA · 1 branch

Q2 2026

$87.2MAssets
$50.4MLoans
$75.7MShares
$13.8MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 82% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 11 of 60).
  • Widest gap: nonperforming loans / loans trails 88% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 54 of 60).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

1.14%

Rank 23 of 60

Net Interest Margin

4.18%

Rank 11 of 60

Efficiency Ratio

77.61%

Rank 33 of 60

Equity / Assets

15.84%

Rank 18 of 60

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.14%0.35%0.84%1.37%Beats 62%23 / 60
Return on Equity7.18%2.76%6.36%10.04%Beats 57%26 / 60
Net Interest Margin4.18%3.02%3.63%4.05%Beats 82%11 / 60
Efficiency Ratio77.61%67.68%77.48%89.33%Beats 47%33 / 60
Asset Quality
Nonperforming Loans / Loans2.49%0.32%0.64%1.44%Beats 12%54 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio15.84%10.72%13.16%17.68%Beats 70%18 / 60
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets15.84%10.72%13.16%17.68%Beats 70%18 / 60
Liquidity & Funding
Loans / Deposits66.53%43.79%55.03%72.55%68th pctl19 / 60
Loans / Assets57.77%36.50%47.22%58.67%72nd pctl17 / 60
Brokered Deposits / Depositsn/aNot reported for this institution