Ithaca, NY · Charter 68322
NCUA · 14 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
88
Asset Quality
49
Profitability
38
Liquidity
74
Efficiency
20
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.
Ithaca, NY · Charter 68322
NCUA · 14 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 | 0.53% | 0.39% | 0.22% | 0.62% | 0.76% | 0.63% | 0.09% | 0.73% | +11 bps | |
| Return on Equity | 3.67% | 2.82% | 1.58% | 4.36% | 5.37% | 4.62% | 0.63% | 5.19% | +83 bps | |
| Net Interest Margin | 3.41% | 3.36% | 3.27% | 3.39% | 3.43% | 3.37% | 3.29% | 3.36% | -2 bps | |
| Efficiency Ratio | 82.27% | 83.48% | 88.62% | 80.15% | 78.04% | 80.05% | 92.96% | 78.98% | -117 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.89% | -1.22% | 0.70% | 2.72% | 4.64% | 5.31% | 3.55% | 7.06% | +434 bps | |
| Loan Growth (YoY) | -3.80% | -3.83% | -2.20% | 0.24% | 2.71% | 3.84% | 3.27% | 3.66% | +341 bps | |
| Share Growth (YoY) | -5.02% | -1.46% | 0.63% | 2.98% | 5.39% | 4.51% | 2.83% | 6.45% | +347 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.07% | 1.23% | 0.86% | 1.03% | 0.97% | 0.98% | 0.60% | 0.69% | -34 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 | 14.45% | 13.83% | 13.71% | 14.12% | 14.23% | 13.62% | 13.69% | 14.01% | -11 bps | |
| Net Worth / Assets | 14.45% | 13.83% | 13.71% | 14.12% | 14.23% | 13.62% | 13.69% | 14.01% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.23% | 82.19% | 81.34% | 84.50% | 85.01% | 81.67% | 81.69% | 82.28% | -222 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ithaca, NY · Charter 68322 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 14 branches
Q2 2026
Return on Assets
0.73%
Rank 259 of 435
Net Interest Margin
3.36%
Rank 229 of 435
Efficiency Ratio
78.98%
Rank 351 of 435
Equity / Assets
14.01%
Rank 52 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.73% | 0.55% | 0.81% | 1.14% | Beats 40% | 259 / 435 | ||
| Return on Equity | 5.19% | 5.12% | 7.41% | 9.70% | Beats 26% | 321 / 435 | ||
| Net Interest Margin | 3.36% | 3.01% | 3.39% | 3.75% | Beats 47% | 229 / 435 | ||
| Efficiency Ratio | 78.98% | 65.25% | 71.39% | 77.86% | Beats 20% | 351 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.69% | 0.45% | 0.69% | 1.05% | Beats 49% | 221 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.01% | 9.81% | 10.84% | 12.63% | Beats 88% | 52 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.01% | 9.81% | 10.84% | 12.63% | Beats 88% | 52 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.28% | 78.33% | 88.38% | 95.61% | 34th pctl | 287 / 435 | ||
| Loans / Assets | 69.80% | 67.69% | 74.58% | 80.80% | 33rd pctl | 292 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||