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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |