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SJP

Buffalo, NY · Charter 3306

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area3

Basis

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.

Peer group

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.

Peer standing

Capital

28

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

53

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

93

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

SJP

Buffalo, NY · Charter 3306

NCUA · 1 branch

Q2 2026

$187.7MAssets
$153.4MLoans
$163.2MShares
$20.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.25%, up 15 bps year over year; NIM at 2.60%.
  • Asset quality: problem loans at 0.93% of loans (-25 bps YoY).
  • Capital: net worth / assets of 11.08%, up 49 bps from a year ago.
  • Funding: loans stand at 93.97% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.25%+15 bps YoY

Net Interest Margin (YTD, annualized)

2.60%+12 bps YoY

Efficiency Ratio (YTD, annualized)

52.40%-263 bps YoY

Net Worth / Assets

11.08%+49 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%1.05%1.10%2.00%1.25%+15 bps
Return on Equity10.42%9.93%10.29%18.09%11.30%+88 bps
Net Interest Margin2.48%2.50%2.51%3.54%2.60%+12 bps
Efficiency Ratio55.03%55.16%52.32%41.25%52.40%-263 bps
Growth
Asset Growth (YoY)12.08%9.35%10.01%9.04%7.05%-504 bps
Loan Growth (YoY)5.75%10.43%9.36%7.51%7.99%+224 bps
Share Growth (YoY)11.92%9.06%9.92%8.68%6.28%-565 bps
Asset Quality
Delinquent Loans / Loans1.18%1.35%1.38%1.09%0.93%-25 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.59%10.62%10.66%11.05%11.08%+49 bps
Net Worth / Assets10.59%10.62%10.66%11.05%11.08%+49 bps
Liquidity & Funding
Loans / Shares92.49%94.10%92.39%90.93%93.97%+149 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

SJP

Buffalo, NY · Charter 3306 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)

NCUA · 1 branch

Q2 2026

$187.7MAssets
$153.4MLoans
$163.2MShares
$20.8MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 93% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 5 of 60).
  • Widest gap: net interest margin trails 92% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 55 of 60).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

1.25%

Rank 19 of 60

Net Interest Margin

2.60%

Rank 55 of 60

Efficiency Ratio

52.40%

Rank 5 of 60

Equity / Assets

11.08%

Rank 43 of 60

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.25%0.35%0.84%1.37%Beats 68%19 / 60
Return on Equity11.30%2.76%6.36%10.04%Beats 83%10 / 60
Net Interest Margin2.60%3.02%3.63%4.05%Beats 8%55 / 60
Efficiency Ratio52.40%67.68%77.48%89.33%Beats 93%5 / 60
Asset Quality
Nonperforming Loans / Loans0.93%0.32%0.64%1.44%Beats 35%40 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.08%10.72%13.16%17.68%Beats 28%43 / 60
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.08%10.72%13.16%17.68%Beats 28%43 / 60
Liquidity & Funding
Loans / Deposits93.97%43.79%55.03%72.55%97th pctl2 / 60
Loans / Assets81.72%36.50%47.22%58.67%97th pctl2 / 60
Brokered Deposits / Depositsn/aNot reported for this institution