Cheektowaga, NY · Charter 2508
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.69% | 1.77% | 1.81% | 1.48% | 1.53% | -16 bps | |
| Return on Equity | 11.76% | 11.96% | 11.90% | 9.75% | 10.05% | -172 bps | |
| Net Interest Margin | 3.46% | 3.49% | 3.49% | 3.28% | 3.25% | -21 bps | |
| Efficiency Ratio | 53.41% | 51.51% | 51.14% | 56.76% | 54.58% | +117 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.30% | 3.77% | 3.51% | 4.03% | 5.85% | +355 bps | |
| Loan Growth (YoY) | -13.39% | -5.66% | -4.46% | -1.21% | -0.61% | +1,278 bps | |
| Share Growth (YoY) | 0.97% | 2.39% | 1.90% | 2.56% | 4.70% | +372 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.39% | 14.77% | 15.19% | 15.19% | 15.27% | +87 bps | |
| Net Worth / Assets | 14.39% | 14.77% | 15.19% | 15.19% | 15.27% | +87 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |