Jamestown, NY · Charter 5785
NCUA · 2 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
22
Asset Quality
83
Profitability
38
Liquidity
84
Efficiency
15
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 5785
NCUA · 2 branches
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 | 0.31% | 0.48% | 0.50% | 0.43% | 0.25% | -6 bps | |
| Return on Equity | 3.02% | 4.47% | 4.62% | 3.97% | 2.30% | -72 bps | |
| Net Interest Margin | 3.64% | 3.84% | 3.88% | 3.89% | 3.99% | +35 bps | |
| Efficiency Ratio | 89.29% | 87.12% | 87.38% | 87.89% | 91.31% | +202 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.46% | -0.09% | 1.68% | 1.56% | -0.01% | -147 bps | |
| Loan Growth (YoY) | -2.41% | -5.71% | -6.59% | -6.90% | -4.80% | -239 bps | |
| Share Growth (YoY) | 1.20% | -0.55% | 1.22% | 1.34% | -0.19% | -139 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.22% | 0.24% | 0.79% | 0.10% | 0.12% | -10 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 | 10.34% | 10.82% | 10.92% | 10.80% | 10.81% | +46 bps | |
| Net Worth / Assets | 10.34% | 10.82% | 10.92% | 10.80% | 10.81% | +46 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.19% | 65.98% | 64.99% | 61.49% | 62.18% | -301 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Jamestown, NY · Charter 5785 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 2 branches
Q2 2026
Return on Assets
0.25%
Rank 46 of 59
Net Interest Margin
4.00%
Rank 18 of 59
Efficiency Ratio
91.21%
Rank 51 of 59
Equity / Assets
10.81%
Rank 46 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.25% | 0.28% | 1.01% | 1.42% | Beats 22% | 46 / 59 | |
| Return on Equity | 2.31% | 2.31% | 7.92% | 10.52% | Beats 24% | 45 / 59 | |
| Net Interest Margin | 4.00% | 3.24% | 3.66% | 4.04% | Beats 69% | 18 / 59 | |
| Efficiency Ratio | 91.21% | 63.53% | 74.15% | 82.44% | Beats 15% | 51 / 59 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.12% | 0.32% | 0.68% | 1.20% | Beats 83% | 11 / 59 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.81% | 10.94% | 13.05% | 16.06% | Beats 22% | 46 / 59 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.81% | 10.94% | 13.05% | 16.06% | Beats 22% | 46 / 59 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.18% | 40.49% | 57.59% | 78.86% | 56th pctl | 26 / 59 | |
| Loans / Assets | 56.28% | 33.06% | 50.92% | 63.03% | 61st pctl | 23 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||