Watertown, NY · Charter 68696
NCUA · 11 branches
Q1 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2026, the quarter ended March 31, 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=1,674 to 1,677). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
25
Asset Quality
45
Profitability
25
Liquidity
0
Efficiency
12
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.
Watertown, NY · Charter 68696
NCUA · 11 branches
Q1 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 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.01% | 0.15% | 0.22% | 0.23% | 0.03% | +5 bps | |
| Return on Equity | -0.13% | 1.40% | 2.08% | 2.22% | 0.32% | +45 bps | |
| Net Interest Margin | 3.55% | 3.59% | 3.71% | 3.62% | 3.70% | +15 bps | |
| Efficiency Ratio | 95.89% | 93.07% | 91.32% | 89.86% | 94.68% | -121 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.05% | 6.54% | 5.66% | 6.97% | 3.65% | -240 bps | |
| Loan Growth (YoY) | 1.15% | 1.00% | 1.66% | 3.31% | 2.85% | +171 bps | |
| Share Growth (YoY) | 6.75% | 7.92% | 7.15% | 8.32% | 4.88% | -187 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.83% | 0.72% | 0.91% | 0.76% | 0.67% | -15 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 | 10.49% | 10.43% | 10.67% | 10.42% | 10.37% | -13 bps | |
| Net Worth / Assets | 10.49% | 10.43% | 10.67% | 10.42% | 10.37% | -13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.96% | 90.87% | 94.00% | 91.63% | 91.16% | -180 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Watertown, NY · Charter 68696 · Peer group: credit unions under $1B in assets (n=1,674-1,677)
NCUA · 11 branches
Q1 2026
Return on Assets
0.03%
Rank 1,422 of 1,677
Net Interest Margin
3.70%
Rank 906 of 1,676
Efficiency Ratio
94.67%
Rank 1,469 of 1,674
Equity / Assets
10.37%
Rank 1,249 of 1,676
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.03% | 0.29% | 0.71% | 1.15% | Beats 15% | 1,422 / 1,677 | |
| Return on Equity | 0.32% | 2.30% | 5.46% | 8.75% | Beats 15% | 1,420 / 1,674 | |
| Net Interest Margin | 3.70% | 3.27% | 3.78% | 4.29% | Beats 46% | 906 / 1,676 | |
| Efficiency Ratio | 94.67% | 69.04% | 78.86% | 87.73% | Beats 12% | 1,469 / 1,674 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.67% | 0.23% | 0.59% | 1.15% | Beats 45% | 915 / 1,675 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.37% | 10.32% | 12.68% | 16.26% | Beats 25% | 1,250 / 1,677 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.37% | 10.32% | 12.68% | 16.26% | Beats 25% | 1,249 / 1,676 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.16% | 52.64% | 68.65% | 82.42% | 90th pctl | 169 / 1,676 | |
| Loans / Assets | 80.11% | 44.39% | 58.63% | 70.08% | 93rd pctl | 109 / 1,676 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||