Orchard Park, NY · Charter 7925
NCUA · 4 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 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
47
Asset Quality
60
Profitability
66
Liquidity
41
Efficiency
65
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.
Orchard Park, NY · Charter 7925
NCUA · 4 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 | 0.96% | 1.03% | 1.15% | 1.03% | 1.46% | 1.04% | 1.96% | 1.28% | +25 bps | |
| Return on Equity | 8.21% | 8.77% | 10.22% | 9.04% | 12.22% | 8.84% | 16.31% | 10.26% | +122 bps | |
| Net Interest Margin | 3.02% | 3.07% | 3.30% | 3.34% | 3.41% | 3.40% | 3.40% | 3.57% | +22 bps | |
| Efficiency Ratio | 70.46% | 69.56% | 72.93% | 74.33% | 66.85% | 74.62% | 59.40% | 71.20% | -314 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.10% | 3.85% | 9.20% | 8.77% | 10.45% | 10.00% | 3.90% | 1.33% | -744 bps | |
| Loan Growth (YoY) | 2.06% | -1.49% | 2.57% | 2.86% | 2.96% | 3.20% | -2.66% | -1.51% | -438 bps | |
| Share Growth (YoY) | -1.07% | 3.01% | 9.06% | 8.79% | 10.16% | 10.36% | 3.33% | 0.21% | -858 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.23% | 0.39% | 0.20% | 0.39% | 0.14% | 0.27% | 0.34% | 0.47% | +7 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 | 11.64% | 11.74% | 11.21% | 11.35% | 11.93% | 11.71% | 12.02% | 12.43% | +108 bps | |
| Net Worth / Assets | 11.64% | 11.74% | 11.21% | 11.35% | 11.93% | 11.71% | 12.02% | 12.43% | +108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.40% | 76.63% | 73.27% | 71.95% | 74.21% | 71.66% | 69.02% | 70.71% | -124 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Orchard Park, NY · Charter 7925 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 4 branches
Q2 2026
Return on Assets
1.28%
Rank 17 of 60
Net Interest Margin
3.57%
Rank 32 of 60
Efficiency Ratio
71.22%
Rank 22 of 60
Equity / Assets
12.43%
Rank 32 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.28% | 0.35% | 0.84% | 1.37% | Beats 72% | 17 / 60 | ||
| Return on Equity | 10.26% | 2.76% | 6.36% | 10.04% | Beats 78% | 13 / 60 | ||
| Net Interest Margin | 3.57% | 3.02% | 3.63% | 4.05% | Beats 47% | 32 / 60 | ||
| Efficiency Ratio | 71.22% | 67.68% | 77.48% | 89.33% | Beats 65% | 22 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.47% | 0.32% | 0.64% | 1.44% | Beats 60% | 25 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.43% | 10.72% | 13.16% | 17.68% | Beats 47% | 32 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.43% | 10.72% | 13.16% | 17.68% | Beats 47% | 32 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.71% | 43.79% | 55.03% | 72.55% | 73rd pctl | 16 / 60 | ||
| Loans / Assets | 61.85% | 36.50% | 47.22% | 58.67% | 80th pctl | 12 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||