Elma, NY · Charter 6930
NCUA · 3 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 in the Buffalo-Cheektowaga, NY area (n=60). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
7
Asset Quality
48
Profitability
22
Liquidity
65
Efficiency
17
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.
Elma, NY · Charter 6930
NCUA · 3 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 | 0.46% | 0.35% | -0.36% | 0.01% | -0.06% | -0.08% | -0.62% | -0.19% | -19 bps | |
| Return on Equity | 5.49% | 4.27% | -4.43% | 0.06% | -0.68% | -0.97% | -7.35% | -2.16% | -222 bps | |
| Net Interest Margin | 2.96% | 3.00% | 3.36% | 3.21% | 3.40% | 3.43% | 3.55% | 3.54% | +32 bps | |
| Efficiency Ratio | 92.92% | 92.52% | 91.95% | 94.73% | 95.19% | 96.32% | 98.44% | 98.11% | +338 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.56% | 7.85% | 1.07% | 1.30% | -2.16% | -5.63% | -5.07% | -7.83% | -913 bps | |
| Loan Growth (YoY) | -3.15% | -3.89% | -3.97% | -8.89% | -9.95% | -11.12% | -9.76% | -5.14% | +374 bps | |
| Share Growth (YoY) | 9.53% | 8.19% | 1.33% | 1.29% | -2.26% | -6.09% | -5.38% | -8.29% | -958 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 1.05% | 1.35% | 1.54% | 1.31% | 1.70% | 1.33% | 0.65% | -88 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 | 8.31% | 8.15% | 8.20% | 8.08% | 8.47% | 8.56% | 8.49% | 8.59% | +51 bps | |
| Net Worth / Assets | 8.31% | 8.15% | 8.20% | 8.08% | 8.47% | 8.56% | 8.49% | 8.59% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.62% | 67.17% | 65.82% | 62.18% | 64.15% | 63.57% | 62.77% | 64.32% | +214 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Elma, NY · Charter 6930 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 3 branches
Q2 2026
Return on Assets
-0.18%
Rank 53 of 60
Net Interest Margin
3.54%
Rank 33 of 60
Efficiency Ratio
97.85%
Rank 51 of 60
Equity / Assets
8.59%
Rank 56 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.18% | 0.35% | 0.84% | 1.37% | Beats 12% | 53 / 60 | ||
| Return on Equity | -2.11% | 2.76% | 6.36% | 10.04% | Beats 10% | 54 / 60 | ||
| Net Interest Margin | 3.54% | 3.02% | 3.63% | 4.05% | Beats 45% | 33 / 60 | ||
| Efficiency Ratio | 97.85% | 67.68% | 77.48% | 89.33% | Beats 17% | 51 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.66% | 0.32% | 0.64% | 1.44% | Beats 48% | 32 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.59% | 10.72% | 13.16% | 17.68% | Beats 7% | 56 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.59% | 10.72% | 13.16% | 17.68% | Beats 7% | 56 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 64.32% | 43.79% | 55.03% | 72.55% | 63rd pctl | 22 / 60 | ||
| Loans / Assets | 58.67% | 36.50% | 47.22% | 58.67% | 75th pctl | 15 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||