Solutions
Elmira, NY · Charter 7846 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$43.4MAssets
$17.9MLoans
$37.7MShares
$5.4MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 73% of credit unions under $1B in assets (rank 451 of 1681).
- Widest gap: equity / assets trails 54% of credit unions under $1B in assets (rank 901 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 | 8-Qtr Trend | 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 |