Elmira, NY · Charter 7846
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
46
Asset Quality
72
Profitability
69
Liquidity
28
Efficiency
60
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.
Elmira, NY · Charter 7846
NCUA · 1 branch
Q2 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.18% | 1.17% | 1.21% | 1.00% | 1.07% | -11 bps | |
| Return on Equity | 9.75% | 9.51% | 9.91% | 8.06% | 8.50% | -125 bps | |
| Net Interest Margin | 4.32% | 4.40% | 4.29% | 4.15% | 4.13% | -19 bps | |
| Efficiency Ratio | 73.55% | 72.87% | 72.46% | 75.69% | 75.18% | +164 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.60% | 5.11% | 9.67% | 6.33% | 6.13% | +53 bps | |
| Loan Growth (YoY) | 1.89% | -0.64% | 1.04% | -0.56% | -2.34% | -422 bps | |
| Share Growth (YoY) | 4.56% | 5.35% | 9.47% | 5.65% | 5.72% | +116 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.10% | 0.06% | 0.41% | 0.07% | 0.30% | +20 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 | 12.07% | 12.30% | 12.26% | 12.37% | 12.55% | +47 bps | |
| Net Worth / Assets | 12.07% | 12.30% | 12.26% | 12.37% | 12.55% | +47 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.32% | 50.27% | 48.62% | 47.89% | 47.41% | -391 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Elmira, NY · Charter 7846 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.06%
Rank 526 of 1,683
Net Interest Margin
4.13%
Rank 565 of 1,683
Efficiency Ratio
75.16%
Rank 682 of 1,682
Equity / Assets
12.55%
Rank 901 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.06% | 0.35% | 0.74% | 1.18% | Beats 69% | 526 / 1,683 | |
| Return on Equity | 8.49% | 2.67% | 5.89% | 8.74% | Beats 73% | 451 / 1,681 | |
| Net Interest Margin | 4.13% | 3.31% | 3.82% | 4.32% | Beats 66% | 565 / 1,683 | |
| Efficiency Ratio | 75.16% | 68.91% | 78.20% | 86.93% | Beats 60% | 682 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.30% | 0.26% | 0.65% | 1.29% | Beats 72% | 468 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.55% | 10.44% | 12.89% | 16.53% | Beats 46% | 901 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.55% | 10.44% | 12.89% | 16.53% | Beats 46% | 901 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 47.41% | 52.61% | 69.38% | 83.50% | 19th pctl | 1,362 / 1,683 | |
| Loans / Assets | 41.23% | 44.71% | 59.18% | 70.72% | 21st pctl | 1,332 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||