Niagara Falls, NY · Charter 24873
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 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.
Capital
40
Asset Quality
13
Profitability
26
Liquidity
60
Efficiency
10
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.
Niagara Falls, NY · Charter 24873
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 | 1.29% | 0.96% | -2.09% | 1.23% | -4.58% | -1.25% | -0.29% | -0.52% | -175 bps | |
| Return on Equity | 10.25% | 7.60% | -17.61% | 9.10% | -38.70% | -10.32% | -2.50% | -4.35% | -1,345 bps | |
| Net Interest Margin | 2.70% | 3.04% | 3.40% | 6.20% | 0.46% | 3.95% | 3.65% | 3.77% | -242 bps | |
| Efficiency Ratio | 68.06% | 79.36% | 97.02% | 61.83% | 226% | 95.73% | 99.83% | 102.19% | +4,036 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 80.92% | 68.22% | 69.84% | 60.46% | -7.95% | -5.78% | -4.38% | -4.38% | -6,485 bps | |
| Loan Growth (YoY) | 80.85% | 74.31% | 66.20% | 59.07% | -18.55% | -16.76% | -16.25% | -14.20% | -7,327 bps | |
| Share Growth (YoY) | 76.55% | 63.98% | 68.60% | 56.60% | -6.41% | -5.29% | -4.18% | -2.72% | -5,931 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.41% | 3.59% | 4.30% | 3.43% | 2.19% | 2.54% | 1.59% | 2.38% | -105 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 | 12.58% | 12.59% | 11.86% | 13.47% | 11.83% | 12.11% | 11.66% | 11.93% | -154 bps | |
| Net Worth / Assets | 12.58% | 12.59% | 11.86% | 13.47% | 11.83% | 12.11% | 11.66% | 11.93% | -154 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.66% | 79.41% | 73.25% | 74.24% | 71.07% | 69.79% | 64.03% | 65.48% | -876 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Niagara Falls, NY · Charter 24873 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.52%
Rank 56 of 60
Net Interest Margin
3.77%
Rank 21 of 60
Efficiency Ratio
102.18%
Rank 55 of 60
Equity / Assets
11.93%
Rank 36 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.52% | 0.35% | 0.84% | 1.37% | Beats 7% | 56 / 60 | ||
| Return on Equity | -4.33% | 2.76% | 6.36% | 10.04% | Beats 7% | 56 / 60 | ||
| Net Interest Margin | 3.77% | 3.02% | 3.63% | 4.05% | Beats 65% | 21 / 60 | ||
| Efficiency Ratio | 102.18% | 67.68% | 77.48% | 89.33% | Beats 10% | 55 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.38% | 0.32% | 0.64% | 1.44% | Beats 13% | 53 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.93% | 10.72% | 13.16% | 17.68% | Beats 40% | 36 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.93% | 10.72% | 13.16% | 17.68% | Beats 40% | 36 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 65.48% | 43.79% | 55.03% | 72.55% | 67th pctl | 20 / 60 | ||
| Loans / Assets | 57.50% | 36.50% | 47.22% | 58.67% | 70th pctl | 18 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||