Cadets 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
$17.7M Assets
$10.4M Loans
$16.1M Shares
$1.5M Net Worth
Executive Summary Strongest standing: nonperforming loans / loans outperforms 48% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 32 of 60). Widest gap: equity / assets trails 93% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 56 of 60). Overall: at or above the peer median on 0 of 7 directional measures. 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 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
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11