Greenville, PA · Charter 4982
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
37
Asset Quality
50
Profitability
37
Liquidity
0
Efficiency
55
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.
Greenville, PA · Charter 4982
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.30% | 0.55% | 0.72% | 0.70% | 0.74% | +43 bps | |
| Return on Equity | 2.68% | 4.84% | 6.31% | 6.05% | 6.27% | +359 bps | |
| Net Interest Margin | 2.43% | 2.51% | 2.59% | 2.76% | 2.89% | +46 bps | |
| Efficiency Ratio | 84.18% | 78.35% | 74.23% | 74.01% | 74.74% | -945 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.37% | 5.56% | 6.69% | 3.48% | 3.89% | +52 bps | |
| Loan Growth (YoY) | -28.75% | -29.20% | -28.87% | -29.21% | -26.58% | +217 bps | |
| Share Growth (YoY) | 3.40% | 5.70% | 6.69% | 2.93% | 3.26% | -13 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.33% | 0.44% | 1.19% | 0.26% | 0.65% | +32 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.25% | 11.37% | 11.49% | 11.48% | 11.73% | +48 bps | |
| Net Worth / Assets | 11.25% | 11.37% | 11.49% | 11.48% | 11.73% | +48 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 24.66% | 22.62% | 20.89% | 18.51% | 17.53% | -713 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Greenville, PA · Charter 4982 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 1 branch
Q2 2026
Return on Assets
0.74%
Rank 35 of 60
Net Interest Margin
2.89%
Rank 48 of 60
Efficiency Ratio
74.75%
Rank 28 of 60
Equity / Assets
11.73%
Rank 38 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.74% | 0.35% | 0.84% | 1.37% | Beats 42% | 35 / 60 | |
| Return on Equity | 6.28% | 2.76% | 6.36% | 10.04% | Beats 48% | 31 / 60 | |
| Net Interest Margin | 2.89% | 3.02% | 3.63% | 4.05% | Beats 20% | 48 / 60 | |
| Efficiency Ratio | 74.75% | 67.68% | 77.48% | 89.33% | Beats 55% | 28 / 60 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.64% | 0.32% | 0.64% | 1.44% | Beats 50% | 31 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.73% | 10.72% | 13.16% | 17.68% | Beats 37% | 38 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.73% | 10.72% | 13.16% | 17.68% | Beats 37% | 38 / 60 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 17.53% | 43.79% | 55.03% | 72.55% | 3rd pctl | 58 / 60 | |
| Loans / Assets | 15.47% | 36.50% | 47.22% | 58.67% | 3rd pctl | 58 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||