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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.15% | 0.28% | 1.01% | 1.42% | Beats 17% | 49 / 59 | |
| Return on Equity | 1.24% | 2.31% | 7.92% | 10.52% | Beats 15% | 50 / 59 | |
| Net Interest Margin | 3.24% | 3.24% | 3.66% | 4.04% | Beats 24% | 45 / 59 | |
| Efficiency Ratio | 75.63% | 63.53% | 74.15% | 82.44% | Beats 44% | 34 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.32% | 0.68% | 1.20% | Beats 86% | 9 / 59 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.19% | 10.94% | 13.05% | 16.06% | Beats 41% | 35 / 59 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.19% | 10.94% | 13.05% | 16.06% | Beats 41% | 35 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 30.92% | 40.49% | 57.59% | 78.86% | 15th pctl | 50 / 59 | |
| Loans / Assets | 26.48% | 33.06% | 50.92% | 63.03% | 15th pctl | 50 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |