Westfield, NY · Charter 7717
NCUA · 5 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 NY (n=59). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
10
Asset Quality
61
Profitability
41
Liquidity
19
Efficiency
59
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.
Westfield, NY · Charter 7717
NCUA · 5 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 | 0.98% | 0.91% | 1.07% | 0.86% | 0.76% | 0.71% | 0.81% | 0.89% | +3 bps | |
| Return on Equity | 9.95% | 9.26% | 10.91% | 8.86% | 7.74% | 7.30% | 8.28% | 9.07% | +21 bps | |
| Net Interest Margin | 3.01% | 3.01% | 3.12% | 3.05% | 3.07% | 3.07% | 3.20% | 3.17% | +12 bps | |
| Efficiency Ratio | 69.82% | 69.30% | 69.39% | 69.55% | 71.49% | 72.73% | 72.26% | 71.35% | +180 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.40% | 5.67% | 9.70% | 9.41% | 7.71% | 7.59% | 5.87% | 6.10% | -331 bps | |
| Loan Growth (YoY) | 7.13% | 0.94% | -4.49% | -6.62% | -4.66% | -3.72% | 0.51% | -1.57% | +504 bps | |
| Share Growth (YoY) | 4.00% | 4.89% | 7.66% | 8.15% | 6.92% | 5.23% | 4.72% | 4.63% | -352 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.21% | 1.48% | 1.06% | 1.02% | 1.96% | 0.44% | 0.57% | 0.57% | -44 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 | 9.89% | 9.84% | 9.78% | 9.74% | 9.85% | 9.78% | 9.82% | 9.84% | +9 bps | |
| Net Worth / Assets | 9.89% | 9.84% | 9.78% | 9.74% | 9.85% | 9.78% | 9.82% | 9.84% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.27% | 39.32% | 36.92% | 36.08% | 36.80% | 35.97% | 35.44% | 33.95% | -214 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Westfield, NY · Charter 7717 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 5 branches
Q2 2026
Return on Assets
0.89%
Rank 35 of 59
Net Interest Margin
3.16%
Rank 48 of 59
Efficiency Ratio
71.35%
Rank 25 of 59
Equity / Assets
9.84%
Rank 53 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.89% | 0.28% | 1.01% | 1.42% | Beats 41% | 35 / 59 | ||
| Return on Equity | 9.07% | 2.31% | 7.92% | 10.52% | Beats 63% | 22 / 59 | ||
| Net Interest Margin | 3.16% | 3.24% | 3.66% | 4.04% | Beats 19% | 48 / 59 | ||
| Efficiency Ratio | 71.35% | 63.53% | 74.15% | 82.44% | Beats 59% | 25 / 59 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.57% | 0.32% | 0.68% | 1.20% | Beats 61% | 24 / 59 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.84% | 10.94% | 13.05% | 16.06% | Beats 10% | 53 / 59 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.84% | 10.94% | 13.05% | 16.06% | Beats 10% | 53 / 59 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 33.95% | 40.49% | 57.59% | 78.86% | 20th pctl | 47 / 59 | ||
| Loans / Assets | 31.83% | 33.06% | 50.92% | 63.03% | 22nd pctl | 46 / 59 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||