Rome, NY · Charter 68433
NCUA · 19 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
21
Asset Quality
5
Profitability
53
Liquidity
40
Efficiency
79
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.
Rome, NY · Charter 68433
NCUA · 19 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.32% | 0.52% | 0.52% | 0.72% | 0.69% | +37 bps | |
| Return on Equity | 3.38% | 5.33% | 5.56% | 7.64% | 7.17% | +379 bps | |
| Net Interest Margin | 3.29% | 3.41% | 3.34% | 3.75% | 3.77% | +48 bps | |
| Efficiency Ratio | 69.39% | 66.29% | 64.17% | 65.70% | 63.50% | -589 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.27% | 4.66% | 7.66% | 7.86% | 7.27% | +300 bps | |
| Loan Growth (YoY) | 6.68% | 7.06% | 6.93% | 6.85% | 5.45% | -123 bps | |
| Share Growth (YoY) | 4.48% | 5.63% | 8.14% | 8.44% | 9.17% | +469 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.65% | 1.79% | 1.64% | 1.27% | 1.89% | +24 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.50% | 9.74% | 9.43% | 9.44% | 9.56% | +6 bps | |
| Net Worth / Assets | 9.50% | 9.74% | 9.43% | 9.44% | 9.56% | +6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 100.18% | 101.84% | 99.29% | 96.94% | 96.76% | -342 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Rome, NY · Charter 68433 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 19 branches
Q2 2026
Return on Assets
0.69%
Rank 279 of 435
Net Interest Margin
3.77%
Rank 104 of 435
Efficiency Ratio
63.50%
Rank 94 of 435
Equity / Assets
9.56%
Rank 345 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.69% | 0.55% | 0.81% | 1.14% | Beats 36% | 279 / 435 | |
| Return on Equity | 7.17% | 5.12% | 7.41% | 9.70% | Beats 47% | 231 / 435 | |
| Net Interest Margin | 3.77% | 3.01% | 3.39% | 3.75% | Beats 76% | 104 / 435 | |
| Efficiency Ratio | 63.50% | 65.25% | 71.39% | 77.86% | Beats 79% | 94 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.89% | 0.45% | 0.69% | 1.05% | Beats 5% | 414 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.56% | 9.81% | 10.84% | 12.63% | Beats 21% | 345 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.56% | 9.81% | 10.84% | 12.63% | Beats 21% | 345 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.76% | 78.33% | 88.38% | 95.61% | 78th pctl | 96 / 435 | |
| Loans / Assets | 84.86% | 67.69% | 74.58% | 80.80% | 89th pctl | 46 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||