Buffalo, NY · Charter 7118
NCUA · 1 branch
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
55
Asset Quality
22
Profitability
39
Liquidity
68
Efficiency
78
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.
Buffalo, NY · Charter 7118
NCUA · 1 branch
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 | 0.04% | -0.17% | 0.01% | -0.15% | 0.17% | -0.27% | 0.35% | 0.97% | +111 bps | |
| Return on Equity | 0.30% | -1.32% | 0.06% | -1.22% | 1.38% | -2.16% | 2.72% | 7.16% | +839 bps | |
| Net Interest Margin | 2.15% | 2.35% | 2.39% | 2.31% | 2.49% | 2.54% | 2.18% | 2.49% | +18 bps | |
| Efficiency Ratio | 98.35% | 97.09% | 93.69% | 102.50% | 91.67% | 91.20% | 84.40% | 62.23% | -4,027 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.21% | -0.94% | 4.98% | 4.21% | 1.08% | 5.57% | -8.47% | -10.41% | -1,462 bps | |
| Loan Growth (YoY) | -9.65% | -11.75% | -22.44% | -26.64% | -30.49% | -31.51% | -24.03% | -20.16% | +648 bps | |
| Share Growth (YoY) | -0.10% | -0.99% | 7.41% | 5.68% | -0.06% | 0.94% | -9.49% | -12.17% | -1,784 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 0.31% | 0.53% | 1.11% | 2.10% | 1.44% | 1.34% | 1.70% | +59 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 | 12.84% | 13.11% | 12.02% | 11.92% | 12.56% | 12.55% | 12.84% | 13.47% | +155 bps | |
| Net Worth / Assets | 12.84% | 13.11% | 12.02% | 11.92% | 12.56% | 12.55% | 12.84% | 13.47% | +155 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.90% | 75.58% | 58.07% | 52.10% | 52.09% | 51.28% | 48.74% | 47.35% | -474 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Buffalo, NY · Charter 7118 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 1 branch
Q2 2026
Return on Assets
0.97%
Rank 26 of 60
Net Interest Margin
2.49%
Rank 58 of 60
Efficiency Ratio
62.23%
Rank 14 of 60
Equity / Assets
13.47%
Rank 27 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.97% | 0.35% | 0.84% | 1.37% | Beats 57% | 26 / 60 | ||
| Return on Equity | 7.18% | 2.76% | 6.36% | 10.04% | Beats 58% | 25 / 60 | ||
| Net Interest Margin | 2.49% | 3.02% | 3.63% | 4.05% | Beats 3% | 58 / 60 | ||
| Efficiency Ratio | 62.23% | 67.68% | 77.48% | 89.33% | Beats 78% | 14 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.71% | 0.32% | 0.64% | 1.44% | Beats 22% | 48 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.47% | 10.72% | 13.16% | 17.68% | Beats 55% | 27 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.47% | 10.72% | 13.16% | 17.68% | Beats 55% | 27 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 47.36% | 43.79% | 55.03% | 72.55% | 32nd pctl | 41 / 60 | ||
| Loans / Assets | 40.26% | 36.50% | 47.22% | 58.67% | 33rd pctl | 40 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||