Clifton, NJ · Charter 277
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
98
Asset Quality
2
Profitability
29
Liquidity
0
Efficiency
15
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.
Clifton, NJ · Charter 277
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 | 0.02% | -0.07% | -0.55% | -0.58% | -0.52% | -0.50% | -0.19% | 0.10% | +68 bps | |
| Return on Equity | 0.05% | -0.15% | -1.07% | -1.12% | -1.02% | -0.95% | -0.37% | 0.19% | +132 bps | |
| Net Interest Margin | 3.41% | 3.40% | 3.14% | 3.20% | 3.12% | 3.21% | 3.54% | 3.72% | +52 bps | |
| Efficiency Ratio | 99.35% | 102.10% | 116.77% | 117.33% | 115.90% | 114.79% | 105.33% | 97.40% | -1,993 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.17% | -4.89% | -6.68% | -5.32% | -6.88% | -5.08% | -3.06% | -1.86% | +347 bps | |
| Loan Growth (YoY) | -25.95% | -29.78% | -25.22% | -28.23% | -25.94% | -7.63% | -9.81% | -4.56% | +2,367 bps | |
| Share Growth (YoY) | -10.27% | -10.77% | -13.82% | -13.31% | -13.00% | -11.57% | -6.18% | -2.95% | +1,035 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.53% | 7.00% | 1.49% | 8.05% | 1.73% | 0.76% | 7.18% | 6.71% | -134 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 | 2.47% | 2.57% | 2.88% | 3.29% | 3.41% | 2.16% | 2.48% | 2.65% | -64 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 48.01% | 50.22% | 50.86% | 51.35% | 51.07% | 52.41% | 52.06% | 52.17% | +82 bps | |
| Net Worth / Assets | 48.01% | 50.22% | 50.86% | 51.35% | 51.07% | 52.41% | 52.06% | 52.17% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.02% | 38.70% | 35.82% | 32.71% | 30.67% | 40.42% | 34.44% | 32.17% | -54 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Clifton, NJ · Charter 277 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 1 branch
Q2 2026
Return on Assets
0.09%
Rank 50 of 60
Net Interest Margin
3.65%
Rank 29 of 60
Efficiency Ratio
100.00%
Rank 53 of 60
Equity / Assets
52.17%
Rank 1 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.09% | 0.35% | 0.84% | 1.37% | Beats 17% | 50 / 60 | ||
| Return on Equity | 0.18% | 2.76% | 6.36% | 10.04% | Beats 17% | 50 / 60 | ||
| Net Interest Margin | 3.65% | 3.02% | 3.63% | 4.05% | Beats 52% | 29 / 60 | ||
| Efficiency Ratio | 100.00% | 67.68% | 77.48% | 89.33% | Beats 15% | 53 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 6.70% | 0.32% | 0.64% | 1.44% | Beats 2% | 60 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 52.17% | 10.72% | 13.16% | 17.68% | Beats 98% | 1 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 52.17% | 10.72% | 13.16% | 17.68% | Beats 98% | 1 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 32.21% | 43.79% | 55.03% | 72.55% | 10th pctl | 54 / 60 | ||
| Loans / Assets | 17.44% | 36.50% | 47.22% | 58.67% | 5th pctl | 57 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||