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Clinton, NY · Charter 5579

NCUA · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer Standing

Trailing 9 quarters, through Q2 2026

Capital

14

Q2 2024Q2 2026Peer median (50)

Asset Quality

38

Q2 2024Q2 2026Peer median (50)

Profitability

67

Q2 2024Q2 2026Peer median (50)

Liquidity

48

Q2 2024Q2 2026Peer median (100)

Efficiency

79

Q2 2024Q2 2026Peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.

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 2026-10-12

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Clinton, NY · Charter 5579

NCUA · 5 branches

Q2 2026

$320.1MAssets
$154.0MLoans
$287.6MShares
$30.1MNet 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 1.35%, up 22 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 0.89% of loans (+50 bps YoY).
  • Capital: net worth / assets of 9.40%, up 27 bps from a year ago.
  • Funding: loans stand at 53.55% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.35%+22 bps YoY

Net Interest Margin (YTD, annualized)

3.25%+19 bps YoY

Efficiency Ratio (YTD, annualized)

66.95%-474 bps YoY

Net Worth / Assets

9.40%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.13%1.23%0.90%1.36%1.35%+22 bps
Return on Equity12.40%13.19%9.88%14.84%14.39%+198 bps
Net Interest Margin3.06%3.09%2.86%3.19%3.25%+19 bps
Efficiency Ratio71.70%69.79%76.09%65.87%66.95%-474 bps
Growth
Asset Growth (YoY)12.57%13.50%13.79%10.69%8.73%-384 bps
Loan Growth (YoY)1.99%1.95%2.20%3.56%1.46%-53 bps
Share Growth (YoY)12.16%13.38%13.62%10.60%8.24%-392 bps
Asset Quality
Delinquent Loans / Loans0.39%0.44%0.29%0.65%0.89%+50 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 Capital9.13%9.29%9.10%9.15%9.40%+27 bps
Net Worth / Assets9.13%9.29%9.10%9.15%9.40%+27 bps
Liquidity & Funding
Loans / Shares57.12%56.31%55.00%53.28%53.55%-357 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 2026-10-12

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Clinton, NY · Charter 5579 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 5 branches

Q2 2026

$320.1MAssets
$154.0MLoans
$287.6MShares
$30.1MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 97% of credit unions under $1B in assets (rank 58 of 1681).
  • Widest gap: equity / assets trails 86% of credit unions under $1B in assets (rank 1449 of 1683).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

1.35%

Rank 316 of 1,683

Net Interest Margin

3.25%

Rank 1,304 of 1,683

Efficiency Ratio

66.95%

Rank 356 of 1,682

Equity / Assets

9.40%

Rank 1,449 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.35%0.35%0.74%1.18%Beats 81%316 / 1,683
Return on Equity14.39%2.67%5.89%8.74%Beats 97%58 / 1,681
Net Interest Margin3.25%3.31%3.82%4.32%Beats 23%1,304 / 1,683
Efficiency Ratio66.95%68.91%78.20%86.93%Beats 79%356 / 1,682
Asset Quality
Nonperforming Loans / Loans0.89%0.26%0.65%1.29%Beats 38%1,039 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.40%10.44%12.89%16.53%Beats 14%1,449 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.40%10.44%12.89%16.53%Beats 14%1,449 / 1,683
Liquidity & Funding
Loans / Deposits53.55%52.61%69.38%83.50%26th pctl1,247 / 1,683
Loans / Assets48.11%44.71%59.18%70.72%31st pctl1,165 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution