Cheektowaga, NY · Charter 613
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
22
Asset Quality
75
Profitability
12
Liquidity
52
Efficiency
2
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 613
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 | 0.20% | 0.09% | -0.64% | -0.37% | 0.75% | 0.35% | -0.56% | -1.63% | -127 bps | |
| Return on Equity | 1.83% | 0.79% | -6.04% | -3.49% | 6.69% | 3.18% | -5.17% | -16.16% | -1,268 bps | |
| Net Interest Margin | 2.82% | 2.85% | 2.67% | 2.77% | 2.85% | 2.98% | 2.90% | 3.14% | +37 bps | |
| Efficiency Ratio | 94.11% | 96.15% | 106.73% | 100.58% | 77.48% | 87.24% | 116.03% | 142.45% | +4,187 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.44% | -3.24% | -1.01% | -0.94% | 0.34% | 0.72% | -0.86% | -1.43% | -49 bps | |
| Loan Growth (YoY) | -12.24% | -7.46% | 0.17% | 4.89% | 4.24% | 1.26% | -3.53% | -8.19% | -1,308 bps | |
| Share Growth (YoY) | -7.38% | -3.66% | -1.16% | -0.71% | 0.02% | -0.64% | -1.50% | -1.93% | -122 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.40% | 0.56% | 0.51% | 0.55% | 0.58% | 0.38% | 0.32% | -19 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 | 10.89% | 10.92% | 10.64% | 10.50% | 11.15% | 10.99% | 10.90% | 10.11% | -39 bps | |
| Net Worth / Assets | 10.89% | 10.92% | 10.64% | 10.50% | 11.15% | 10.99% | 10.90% | 10.11% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.72% | 44.95% | 45.58% | 46.78% | 46.61% | 45.81% | 44.64% | 43.79% | -298 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 613 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 3 branches
Q2 2026
Return on Assets
-1.64%
Rank 59 of 60
Net Interest Margin
3.14%
Rank 41 of 60
Efficiency Ratio
142.47%
Rank 60 of 60
Equity / Assets
10.11%
Rank 47 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.64% | 0.35% | 0.84% | 1.37% | Beats 2% | 59 / 60 | ||
| Return on Equity | -16.17% | 2.76% | 6.36% | 10.04% | Beats 2% | 59 / 60 | ||
| Net Interest Margin | 3.14% | 3.02% | 3.63% | 4.05% | Beats 32% | 41 / 60 | ||
| Efficiency Ratio | 142.47% | 67.68% | 77.48% | 89.33% | Beats 2% | 60 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.32% | 0.32% | 0.64% | 1.44% | Beats 75% | 16 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.11% | 10.72% | 13.16% | 17.68% | Beats 22% | 47 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.11% | 10.72% | 13.16% | 17.68% | Beats 22% | 47 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 43.79% | 43.79% | 55.03% | 72.55% | 25th pctl | 45 / 60 | ||
| Loans / Assets | 38.99% | 36.50% | 47.22% | 58.67% | 28th pctl | 43 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||