Cheektowaga, NY · Charter 2508
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 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
65
Asset Quality
85
Profitability
64
Liquidity
0
Efficiency
90
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.
Cheektowaga, NY · Charter 2508
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 | 1.58% | 1.53% | 1.58% | 1.69% | 1.77% | 1.81% | 1.48% | 1.53% | -16 bps | |
| Return on Equity | 11.59% | 11.01% | 11.29% | 11.76% | 11.96% | 11.90% | 9.75% | 10.05% | -172 bps | |
| Net Interest Margin | 3.17% | 3.21% | 3.40% | 3.46% | 3.49% | 3.49% | 3.28% | 3.25% | -21 bps | |
| Efficiency Ratio | 58.05% | 58.70% | 57.15% | 53.41% | 51.51% | 51.14% | 56.76% | 54.58% | +117 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.67% | 3.66% | 3.01% | 2.30% | 3.77% | 3.51% | 4.03% | 5.85% | +355 bps | |
| Loan Growth (YoY) | -6.53% | -7.17% | -12.37% | -13.39% | -5.66% | -4.46% | -1.21% | -0.61% | +1,278 bps | |
| Share Growth (YoY) | 0.22% | 2.36% | 1.58% | 0.97% | 2.39% | 1.90% | 2.56% | 4.70% | +372 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 0.11% | 0.02% | 0.16% | 0.10% | 0.12% | 0.28% | 0.18% | +3 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 | 13.63% | 13.88% | 14.00% | 14.39% | 14.77% | 15.19% | 15.19% | 15.27% | +87 bps | |
| Net Worth / Assets | 13.63% | 13.88% | 14.00% | 14.39% | 14.77% | 15.19% | 15.19% | 15.27% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.27% | 31.31% | 28.85% | 28.01% | 29.73% | 29.36% | 27.79% | 26.59% | -142 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cheektowaga, NY · Charter 2508 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 2 branches
Q2 2026
Return on Assets
1.53%
Rank 9 of 60
Net Interest Margin
3.25%
Rank 40 of 60
Efficiency Ratio
54.59%
Rank 7 of 60
Equity / Assets
15.27%
Rank 21 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.53% | 0.35% | 0.84% | 1.37% | Beats 85% | 9 / 60 | ||
| Return on Equity | 10.04% | 2.76% | 6.36% | 10.04% | Beats 75% | 15 / 60 | ||
| Net Interest Margin | 3.25% | 3.02% | 3.63% | 4.05% | Beats 33% | 40 / 60 | ||
| Efficiency Ratio | 54.59% | 67.68% | 77.48% | 89.33% | Beats 90% | 7 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.18% | 0.32% | 0.64% | 1.44% | Beats 85% | 10 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.27% | 10.72% | 13.16% | 17.68% | Beats 65% | 21 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.27% | 10.72% | 13.16% | 17.68% | Beats 65% | 21 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 26.59% | 43.79% | 55.03% | 72.55% | 7th pctl | 56 / 60 | ||
| Loans / Assets | 22.49% | 36.50% | 47.22% | 58.67% | 8th pctl | 55 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||