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Steuben Citizens

Bath, NY · Charter 6225

NCUA · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in NY3

Basis

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.

Peer group

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.

Peer standing

Capital

41

Q2 2024Q2 2026peer median (50)

Asset Quality

86

Q2 2024Q2 2026peer median (50)

Profitability

19

Q2 2024Q2 2026peer median (50)

Liquidity

9

Q2 2024Q2 2026peer median

Efficiency

44

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Steuben Citizens

Bath, NY · Charter 6225

NCUA · 3 branches

Q2 2026

$35.8MAssets
$9.5MLoans
$30.6MShares
$4.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.15%, down 39 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 0.09% of loans (+6 bps YoY).
  • Capital: net worth / assets of 12.19%, up 35 bps from a year ago.
  • Funding: loans stand at 30.92% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.15%-39 bps YoY

Net Interest Margin (YTD, annualized)

3.24%+54 bps YoY

Efficiency Ratio (YTD, annualized)

75.56%-162 bps YoY

Net Worth / Assets

12.19%+35 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.79%0.89%0.50%0.15%-39 bps
Return on Equity4.54%6.55%7.13%4.10%1.23%-331 bps
Net Interest Margin2.70%2.83%2.92%3.13%3.24%+54 bps
Efficiency Ratio77.18%72.83%71.82%73.01%75.56%-162 bps
Growth
Asset Growth (YoY)-0.79%-0.46%4.93%2.50%2.86%+365 bps
Loan Growth (YoY)20.76%23.75%23.34%22.26%12.83%-792 bps
Share Growth (YoY)-1.69%-2.33%4.45%1.86%1.00%+270 bps
Asset Quality
Delinquent Loans / Loans0.03%0.01%0.01%0.18%0.09%+6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.84%12.13%12.44%12.22%12.19%+35 bps
Net Worth / Assets11.84%12.13%12.44%12.22%12.19%+35 bps
Liquidity & Funding
Loans / Shares27.68%29.17%29.46%30.11%30.92%+324 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Steuben Citizens

Bath, NY · Charter 6225 · Peer group: credit unions under $1B in assets in NY (n=59)

NCUA · 3 branches

Q2 2026

$35.8MAssets
$9.5MLoans
$30.6MShares
$4.4MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 86% of credit unions under $1B in assets in NY (rank 9 of 59).
  • Widest gap: return on equity trails 85% of credit unions under $1B in assets in NY (rank 50 of 59).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

0.15%

Rank 49 of 59

Net Interest Margin

3.24%

Rank 45 of 59

Efficiency Ratio

75.63%

Rank 34 of 59

Equity / Assets

12.19%

Rank 35 of 59

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.15%0.28%1.01%1.42%Beats 17%49 / 59
Return on Equity1.24%2.31%7.92%10.52%Beats 15%50 / 59
Net Interest Margin3.24%3.24%3.66%4.04%Beats 24%45 / 59
Efficiency Ratio75.63%63.53%74.15%82.44%Beats 44%34 / 59
Asset Quality
Nonperforming Loans / Loans0.08%0.32%0.68%1.20%Beats 86%9 / 59
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.19%10.94%13.05%16.06%Beats 41%35 / 59
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.19%10.94%13.05%16.06%Beats 41%35 / 59
Liquidity & Funding
Loans / Deposits30.92%40.49%57.59%78.86%15th pctl50 / 59
Loans / Assets26.48%33.06%50.92%63.03%15th pctl50 / 59
Brokered Deposits / Depositsn/aNot reported for this institution