Albany, NY · Charter 68420
NCUA · 2 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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
93
Asset Quality
4
Profitability
56
Liquidity
98
Efficiency
99
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.
Albany, NY · Charter 68420
NCUA · 2 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 | 2.32% | 1.59% | 2.63% | 2.47% | 2.28% | 2.01% | 1.95% | 1.52% | -96 bps | |
| Return on Equity | 10.69% | 6.96% | 11.25% | 10.72% | 10.24% | 8.95% | 8.56% | 6.42% | -429 bps | |
| Net Interest Margin | 4.20% | 4.42% | 4.03% | 3.88% | 3.67% | 3.64% | 3.33% | 3.36% | -51 bps | |
| Efficiency Ratio | 24.27% | 25.32% | 28.54% | 26.72% | 27.35% | 28.82% | 33.93% | 33.98% | +726 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.66% | -5.85% | -6.82% | -1.23% | 4.36% | 11.35% | 12.00% | 4.94% | +617 bps | |
| Loan Growth (YoY) | -1.34% | -2.92% | -12.14% | -19.12% | -17.58% | -7.95% | -9.59% | -11.80% | +732 bps | |
| Share Growth (YoY) | 3.94% | -9.18% | -10.40% | -3.56% | 3.60% | 11.80% | 12.90% | 4.21% | +776 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 3.25% | 4.58% | +458 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 | 21.69% | 22.81% | 23.38% | 23.07% | 22.24% | 22.49% | 22.76% | 23.60% | +53 bps | |
| Net Worth / Assets | 21.69% | 22.81% | 23.38% | 23.07% | 22.24% | 22.49% | 22.76% | 23.60% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.71% | 94.57% | 89.70% | 82.54% | 75.35% | 77.86% | 71.83% | 69.86% | -1,268 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Albany, NY · Charter 68420 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.51%
Rank 239 of 1,683
Net Interest Margin
3.35%
Rank 1,245 of 1,683
Efficiency Ratio
33.96%
Rank 11 of 1,682
Equity / Assets
23.60%
Rank 123 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.51% | 0.35% | 0.74% | 1.18% | Beats 86% | 239 / 1,683 | ||
| Return on Equity | 6.39% | 2.67% | 5.89% | 8.74% | Beats 55% | 758 / 1,681 | ||
| Net Interest Margin | 3.35% | 3.31% | 3.82% | 4.32% | Beats 26% | 1,245 / 1,683 | ||
| Efficiency Ratio | 33.96% | 68.91% | 78.20% | 86.93% | Beats 99% | 11 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.59% | 0.26% | 0.65% | 1.29% | Beats 4% | 1,620 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.60% | 10.44% | 12.89% | 16.53% | Beats 93% | 123 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 23.60% | 10.44% | 12.89% | 16.53% | Beats 93% | 123 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.86% | 52.61% | 69.38% | 83.50% | 51st pctl | 829 / 1,683 | ||
| Loans / Assets | 53.37% | 44.71% | 59.18% | 70.72% | 39th pctl | 1,019 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||