Sidney, NY · Charter 6011
NCUA · 13 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
41
Asset Quality
37
Profitability
87
Liquidity
88
Efficiency
67
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.
Sidney, NY · Charter 6011
NCUA · 13 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 | 0.60% | 0.68% | 0.95% | 0.90% | 0.94% | 1.29% | 1.31% | 1.23% | +33 bps | |
| Return on Equity | 5.61% | 6.44% | 9.10% | 8.71% | 9.28% | 12.53% | 12.94% | 11.69% | +299 bps | |
| Net Interest Margin | 3.79% | 3.79% | 4.01% | 4.02% | 4.00% | 3.94% | 4.02% | 4.15% | +13 bps | |
| Efficiency Ratio | 73.77% | 72.59% | 69.88% | 69.92% | 68.37% | 64.29% | 67.08% | 67.25% | -267 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.66% | 11.60% | 10.15% | 13.87% | 15.75% | 16.65% | 18.60% | 12.94% | -93 bps | |
| Loan Growth (YoY) | 19.54% | 18.25% | 23.73% | 25.94% | 23.23% | 19.23% | 10.81% | 6.39% | -1,955 bps | |
| Share Growth (YoY) | 17.40% | 12.33% | 10.42% | 14.31% | 16.25% | 16.45% | 18.52% | 12.30% | -201 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.84% | 1.00% | 0.98% | 0.95% | 0.81% | 1.13% | 0.72% | 0.85% | -10 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 | 10.71% | 10.57% | 10.48% | 10.28% | 10.11% | 10.29% | 10.13% | 10.50% | +22 bps | |
| Net Worth / Assets | 10.71% | 10.57% | 10.48% | 10.28% | 10.11% | 10.29% | 10.13% | 10.50% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.56% | 91.27% | 93.61% | 95.07% | 95.99% | 93.45% | 87.52% | 90.06% | -501 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sidney, NY · Charter 6011 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 13 branches
Q2 2026
Return on Assets
1.23%
Rank 77 of 435
Net Interest Margin
4.15%
Rank 35 of 435
Efficiency Ratio
67.25%
Rank 143 of 435
Equity / Assets
10.50%
Rank 257 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.23% | 0.55% | 0.81% | 1.14% | Beats 82% | 77 / 435 | ||
| Return on Equity | 11.69% | 5.12% | 7.41% | 9.70% | Beats 88% | 52 / 435 | ||
| Net Interest Margin | 4.15% | 3.01% | 3.39% | 3.75% | Beats 92% | 35 / 435 | ||
| Efficiency Ratio | 67.25% | 65.25% | 71.39% | 77.86% | Beats 67% | 143 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.85% | 0.45% | 0.69% | 1.05% | Beats 37% | 275 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.50% | 9.81% | 10.84% | 12.63% | Beats 41% | 257 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.50% | 9.81% | 10.84% | 12.63% | Beats 41% | 257 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.06% | 78.33% | 88.38% | 95.61% | 56th pctl | 190 / 435 | ||
| Loans / Assets | 80.43% | 67.69% | 74.58% | 80.80% | 73rd pctl | 116 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||