Western Division
Williamsville, NY · Charter 24731 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 2 branches
Q2 2026
$223.9MAssets
$179.2MLoans
$190.3MShares
$33.1MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 93% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 4 of 60).
- Widest gap: equity / assets trails 38% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 23 of 60).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.96%
Rank 4 of 60
Net Interest Margin
3.93%
Rank 18 of 60
Efficiency Ratio
54.59%
Rank 6 of 60
Equity / Assets
14.80%
Rank 23 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.96% | 0.35% | 0.84% | 1.37% | Beats 93% | 4 / 60 | |
| Return on Equity | 13.22% | 2.76% | 6.36% | 10.04% | Beats 93% | 4 / 60 | |
| Net Interest Margin | 3.93% | 3.02% | 3.63% | 4.05% | Beats 70% | 18 / 60 | |
| Efficiency Ratio | 54.59% | 67.68% | 77.48% | 89.33% | Beats 92% | 6 / 60 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.32% | 0.64% | 1.44% | Beats 78% | 14 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.80% | 10.72% | 13.16% | 17.68% | Beats 62% | 23 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.80% | 10.72% | 13.16% | 17.68% | Beats 62% | 23 / 60 | |
| Liquidity & Funding |
| Loans / Deposits | 94.19% | 43.79% | 55.03% | 72.55% | 98th pctl | 1 / 60 | |
| Loans / Assets | 80.05% | 36.50% | 47.22% | 58.67% | 95th pctl | 3 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |