Directors Choice
Albany, NY · Charter 68420 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$11.9MAssets
$6.4MLoans
$9.1MShares
$2.8MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 99% of credit unions under $1B in assets (rank 11 of 1682).
- Widest gap: nonperforming loans / loans trails 96% of credit unions under $1B in assets (rank 1620 of 1682).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 |