C S P Employees Somers, CT · Charter 6418 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=64)
NCUA · 2 branches
Q1 2025
$10.3M Assets
$2.3M Loans
$9.1M Shares
$1.2M Net Worth
Executive Summary Strongest standing: nonperforming loans / loans outperforms 64% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 24 of 64). Widest gap: efficiency ratio trails 66% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 43 of 64). Overall: at or above the peer median on 2 of 7 directional measures. Return on Assets
0.50%
Rank 40 of 64
Net Interest Margin
3.45%
Rank 30 of 64
Efficiency Ratio
86.32%
Rank 43 of 64
Equity / Assets
12.00%
Rank 33 of 64
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank 8-Qtr Trend Peer Position Earnings Return on Assets 0.50% 0.16% 0.81% 1.48% Beats 38% 40 / 64 Return on Equity 4.19% 1.63% 6.25% 10.30% Beats 39% 39 / 64 Net Interest Margin 3.45% 2.88% 3.41% 3.93% Beats 53% 30 / 64 Efficiency Ratio 86.32% 66.67% 76.12% 91.52% Beats 34% 43 / 64 Asset Quality Nonperforming Loans / Loans 0.18% 0.05% 0.31% 1.01% Beats 64% 24 / 64 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 12.00% 10.39% 12.02% 15.20% Beats 48% 33 / 64 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 12.00% 10.39% 12.02% 15.20% Beats 48% 33 / 64 Liquidity & Funding Loans / Deposits 24.92% 45.38% 58.07% 73.25% 5th pctl 61 / 64 Loans / Assets 21.93% 39.22% 51.63% 62.34% 6th pctl 60 / 64 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.28%, the median effective tax rate of the 2,787 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11