Niagara Falls, NY · Charter 63793
NCUA · 1 branch
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, 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 NY (n=107). 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
100
Profitability
32
Liquidity
91
Efficiency
4
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.
Niagara Falls, NY · Charter 63793
NCUA · 1 branch
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -9.21% | -0.03% | -0.99% | -2.53% | -3.91% | -3.89% | -3.75% | -1.22% | +131 bps | |
| Return on Equity | -77.19% | -0.28% | -8.10% | -24.46% | -41.01% | -43.85% | -44.83% | -11.98% | +1,248 bps | |
| Net Interest Margin | 4.20% | 4.87% | 5.25% | 5.15% | 4.62% | 5.02% | 5.20% | 5.43% | +27 bps | |
| Efficiency Ratio | 136.34% | 134.51% | 139.59% | 141.39% | 174.29% | 168.19% | 163.61% | 152.71% | +1,132 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.59% | -17.84% | -23.59% | -16.93% | -12.35% | -11.22% | -6.44% | -9.40% | +753 bps | |
| Loan Growth (YoY) | 22.23% | 24.52% | 24.41% | 13.76% | 2.79% | 3.12% | -6.25% | -13.43% | -2,719 bps | |
| Share Growth (YoY) | -17.91% | -17.54% | -23.51% | -14.03% | -9.90% | -8.25% | -2.28% | -9.24% | +478 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.85% | 3.39% | 3.05% | 3.11% | 0.11% | 0.00% | 0.00% | 0.00% | -311 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 | 3.23% | 3.09% | 1.19% | 3.45% | 3.54% | 3.62% | 3.61% | 0.43% | -302 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.93% | 11.81% | 12.25% | 10.35% | 9.54% | 8.86% | 8.35% | 10.20% | -15 bps | |
| Net Worth / Assets | 11.93% | 11.81% | 12.25% | 10.35% | 9.54% | 8.86% | 8.35% | 10.20% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.39% | 62.18% | 69.91% | 66.67% | 65.46% | 69.88% | 67.07% | 63.59% | -307 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Niagara Falls, NY · Charter 63793 · Peer group: credit unions under $1B in assets in NY (n=107)
NCUA · 1 branch
Q4 2025
Return on Assets
-1.22%
Rank 105 of 107
Net Interest Margin
5.38%
Rank 5 of 107
Efficiency Ratio
153.60%
Rank 104 of 107
Equity / Assets
10.18%
Rank 84 of 107
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.22% | 0.42% | 0.92% | 1.36% | Beats 2% | 105 / 107 | ||
| Return on Equity | -12.02% | 3.80% | 7.58% | 10.43% | Beats 0% | 107 / 107 | ||
| Net Interest Margin | 5.38% | 3.18% | 3.63% | 4.13% | Beats 95% | 5 / 107 | ||
| Efficiency Ratio | 153.60% | 65.85% | 74.81% | 83.64% | Beats 4% | 104 / 107 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.27% | 0.79% | 1.35% | Beats 100% | 12 / 107 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.20% | 10.29% | 11.95% | 14.95% | Beats 22% | 83 / 107 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.18% | 10.29% | 11.95% | 14.95% | Beats 21% | 84 / 107 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 63.59% | 43.75% | 61.23% | 78.36% | 53rd pctl | 50 / 107 | ||
| Loans / Assets | 57.12% | 37.83% | 52.55% | 66.10% | 58th pctl | 45 / 107 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||