Cheektowaga, NY · Charter 60716
NCUA · 3 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 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
50
Asset Quality
90
Profitability
74
Liquidity
44
Efficiency
72
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.
Cheektowaga, NY · Charter 60716
NCUA · 3 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 | 1.74% | 1.49% | 1.31% | 1.38% | 1.34% | 1.14% | 1.13% | 1.37% | -1 bps | |
| Return on Equity | 15.65% | 13.21% | 11.69% | 12.06% | 10.25% | 8.77% | 8.66% | 10.40% | -166 bps | |
| Net Interest Margin | 3.78% | 3.69% | 3.94% | 3.94% | 3.98% | 3.91% | 3.88% | 3.83% | -10 bps | |
| Efficiency Ratio | 55.87% | 61.93% | 68.46% | 65.78% | 68.46% | 70.16% | 71.55% | 68.50% | +271 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.69% | 27.61% | 30.40% | 30.38% | 5.23% | 6.21% | 4.70% | 5.77% | -2,461 bps | |
| Loan Growth (YoY) | 20.09% | 16.84% | 14.35% | 14.02% | 2.31% | 2.52% | 2.20% | 3.10% | -1,092 bps | |
| Share Growth (YoY) | 19.64% | 24.78% | 29.03% | 29.56% | 4.35% | 6.43% | 4.65% | 4.64% | -2,491 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.15% | 0.06% | 0.10% | 0.53% | 0.51% | 0.21% | 0.12% | +2 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 | 11.11% | 11.27% | 11.22% | 11.40% | 13.13% | 12.97% | 13.05% | 13.16% | +176 bps | |
| Net Worth / Assets | 11.11% | 11.27% | 11.22% | 11.40% | 13.13% | 12.97% | 13.05% | 13.16% | +176 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.02% | 45.04% | 41.93% | 42.63% | 45.11% | 43.39% | 40.95% | 42.00% | -63 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cheektowaga, NY · Charter 60716 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 3 branches
Q2 2026
Return on Assets
1.37%
Rank 15 of 60
Net Interest Margin
3.83%
Rank 20 of 60
Efficiency Ratio
68.48%
Rank 18 of 60
Equity / Assets
13.16%
Rank 30 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.37% | 0.35% | 0.84% | 1.37% | Beats 75% | 15 / 60 | ||
| Return on Equity | 10.41% | 2.76% | 6.36% | 10.04% | Beats 80% | 12 / 60 | ||
| Net Interest Margin | 3.83% | 3.02% | 3.63% | 4.05% | Beats 67% | 20 / 60 | ||
| Efficiency Ratio | 68.48% | 67.68% | 77.48% | 89.33% | Beats 72% | 18 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.12% | 0.32% | 0.64% | 1.44% | Beats 90% | 7 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.16% | 10.72% | 13.16% | 17.68% | Beats 50% | 30 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.16% | 10.72% | 13.16% | 17.68% | Beats 50% | 30 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 42.00% | 43.79% | 55.03% | 72.55% | 22nd pctl | 47 / 60 | ||
| Loans / Assets | 36.35% | 36.50% | 47.22% | 58.67% | 23rd pctl | 46 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||