Jamestown, NY · Charter 3551
NCUA · 6 branches
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 NY (n=59). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
27
Asset Quality
93
Profitability
81
Liquidity
75
Efficiency
80
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.
Jamestown, NY · Charter 3551
NCUA · 6 branches
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 | 0.86% | 0.94% | 1.34% | 1.45% | 1.62% | 1.64% | 1.70% | 1.58% | +14 bps | |
| Return on Equity | 9.47% | 10.14% | 13.96% | 14.96% | 15.86% | 15.55% | 15.62% | 14.41% | -55 bps | |
| Net Interest Margin | 3.11% | 3.20% | 3.72% | 3.72% | 3.83% | 3.87% | 3.90% | 3.85% | +13 bps | |
| Efficiency Ratio | 77.05% | 75.56% | 69.51% | 65.48% | 63.11% | 62.50% | 62.67% | 62.75% | -273 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.19% | 0.96% | 0.51% | 2.84% | 4.09% | 3.78% | 4.70% | 3.96% | +112 bps | |
| Loan Growth (YoY) | 2.10% | 1.64% | 5.19% | 3.53% | 3.84% | 2.11% | 1.19% | 1.12% | -240 bps | |
| Share Growth (YoY) | 1.86% | 0.25% | -0.33% | 1.93% | 2.92% | 2.50% | 3.46% | 2.67% | +75 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.05% | 0.22% | 0.12% | 0.09% | 0.00% | 0.02% | 0.02% | 0.02% | -8 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 | 9.03% | 9.25% | 9.59% | 9.67% | 10.19% | 10.55% | 10.89% | 10.98% | +131 bps | |
| Net Worth / Assets | 9.03% | 9.25% | 9.59% | 9.67% | 10.19% | 10.55% | 10.89% | 10.98% | +131 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.50% | 64.99% | 67.62% | 65.67% | 66.09% | 64.74% | 66.14% | 64.68% | -99 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Jamestown, NY · Charter 3551 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 6 branches
Q2 2026
Return on Assets
1.58%
Rank 9 of 59
Net Interest Margin
3.85%
Rank 23 of 59
Efficiency Ratio
62.71%
Rank 13 of 59
Equity / Assets
10.98%
Rank 43 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.58% | 0.28% | 1.01% | 1.42% | Beats 85% | 9 / 59 | ||
| Return on Equity | 14.41% | 2.31% | 7.92% | 10.52% | Beats 97% | 2 / 59 | ||
| Net Interest Margin | 3.85% | 3.24% | 3.66% | 4.04% | Beats 61% | 23 / 59 | ||
| Efficiency Ratio | 62.71% | 63.53% | 74.15% | 82.44% | Beats 80% | 13 / 59 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.02% | 0.32% | 0.68% | 1.20% | Beats 93% | 5 / 59 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.98% | 10.94% | 13.05% | 16.06% | Beats 27% | 43 / 59 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.98% | 10.94% | 13.05% | 16.06% | Beats 27% | 43 / 59 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 64.68% | 40.49% | 57.59% | 78.86% | 61st pctl | 23 / 59 | ||
| Loans / Assets | 57.56% | 33.06% | 50.92% | 63.03% | 66th pctl | 20 / 59 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||