Watertown, NY · Charter 6112
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 (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.
Capital
64
Asset Quality
100
Profitability
62
Liquidity
39
Efficiency
92
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.
Watertown, NY · Charter 6112
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 | 0.98% | 1.10% | 0.06% | 1.57% | 1.42% | +44 bps | |
| Return on Equity | 7.22% | 7.97% | 0.42% | 11.10% | 9.88% | +265 bps | |
| Net Interest Margin | 2.57% | 2.68% | 1.84% | 3.40% | 3.22% | +65 bps | |
| Efficiency Ratio | 61.65% | 58.82% | 96.93% | 53.77% | 56.41% | -523 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.40% | -0.93% | -2.62% | -5.74% | -3.60% | -120 bps | |
| Loan Growth (YoY) | -0.38% | -2.13% | -3.42% | -14.63% | -17.29% | -1,691 bps | |
| Share Growth (YoY) | -3.02% | -0.94% | -3.11% | -7.30% | -4.64% | -162 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.19% | 1.33% | 1.46% | 1.62% | 1.59% | +40 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.62% | 13.84% | 13.39% | 14.17% | 14.40% | +77 bps | |
| Net Worth / Assets | 13.62% | 13.84% | 13.39% | 14.17% | 14.40% | +77 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.34% | 54.06% | 52.66% | 49.74% | 50.60% | -774 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Watertown, NY · Charter 6112 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.41%
Rank 285 of 1,683
Net Interest Margin
3.22%
Rank 1,324 of 1,683
Efficiency Ratio
56.52%
Rank 136 of 1,682
Equity / Assets
14.39%
Rank 612 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.41% | 0.35% | 0.74% | 1.18% | Beats 83% | 285 / 1,683 | |
| Return on Equity | 9.83% | 2.67% | 5.89% | 8.74% | Beats 82% | 299 / 1,681 | |
| Net Interest Margin | 3.22% | 3.31% | 3.82% | 4.32% | Beats 21% | 1,324 / 1,683 | |
| Efficiency Ratio | 56.52% | 68.91% | 78.20% | 86.93% | Beats 92% | 136 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.39% | 10.44% | 12.89% | 16.53% | Beats 64% | 612 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.39% | 10.44% | 12.89% | 16.53% | Beats 64% | 612 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 50.60% | 52.61% | 69.38% | 83.50% | 22nd pctl | 1,309 / 1,683 | |
| Loans / Assets | 43.23% | 44.71% | 59.18% | 70.72% | 23rd pctl | 1,290 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||