Buffalo, NY · Charter 3306
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
28
Asset Quality
35
Profitability
53
Liquidity
0
Efficiency
93
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.
Buffalo, NY · Charter 3306
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 | 0.91% | 0.97% | 0.86% | 1.10% | 1.05% | 1.10% | 2.00% | 1.25% | +15 bps | |
| Return on Equity | 8.70% | 9.21% | 8.17% | 10.42% | 9.93% | 10.29% | 18.09% | 11.30% | +88 bps | |
| Net Interest Margin | 2.31% | 2.33% | 2.45% | 2.48% | 2.50% | 2.51% | 3.54% | 2.60% | +12 bps | |
| Efficiency Ratio | 55.86% | 54.18% | 60.39% | 55.03% | 55.16% | 52.32% | 41.25% | 52.40% | -263 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.80% | 13.32% | 10.41% | 12.08% | 9.35% | 10.01% | 9.04% | 7.05% | -504 bps | |
| Loan Growth (YoY) | 6.36% | 5.83% | 5.56% | 5.75% | 10.43% | 9.36% | 7.51% | 7.99% | +224 bps | |
| Share Growth (YoY) | 18.34% | 13.24% | 9.96% | 11.92% | 9.06% | 9.92% | 8.68% | 6.28% | -565 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.92% | 1.20% | 1.15% | 1.18% | 1.35% | 1.38% | 1.09% | 0.93% | -25 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 | 10.45% | 10.53% | 10.54% | 10.59% | 10.62% | 10.66% | 11.05% | 11.08% | +49 bps | |
| Net Worth / Assets | 10.45% | 10.53% | 10.54% | 10.59% | 10.62% | 10.66% | 11.05% | 11.08% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.93% | 92.86% | 91.91% | 92.49% | 94.10% | 92.39% | 90.93% | 93.97% | +149 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
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
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.25% | 0.35% | 0.84% | 1.37% | Beats 68% | 19 / 60 | ||
| Return on Equity | 11.30% | 2.76% | 6.36% | 10.04% | Beats 83% | 10 / 60 | ||
| Net Interest Margin | 2.60% | 3.02% | 3.63% | 4.05% | Beats 8% | 55 / 60 | ||
| Efficiency Ratio | 52.40% | 67.68% | 77.48% | 89.33% | Beats 93% | 5 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.93% | 0.32% | 0.64% | 1.44% | Beats 35% | 40 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.08% | 10.72% | 13.16% | 17.68% | Beats 28% | 43 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.08% | 10.72% | 13.16% | 17.68% | Beats 28% | 43 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.97% | 43.79% | 55.03% | 72.55% | 97th pctl | 2 / 60 | ||
| Loans / Assets | 81.72% | 36.50% | 47.22% | 58.67% | 97th pctl | 2 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||