Gowanda Area
Gowanda, NY · Charter 818 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 1 branch
Q2 2026
$33.5MAssets
$12.6MLoans
$28.1MShares
$5.4MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in NY (rank 4 of 59).
- Widest gap: net interest margin trails 54% of credit unions under $1B in assets in NY (rank 32 of 59).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.91%
Rank 5 of 59
Net Interest Margin
3.61%
Rank 32 of 59
Efficiency Ratio
45.96%
Rank 3 of 59
Equity / Assets
16.06%
Rank 15 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.91% | 0.28% | 1.01% | 1.42% | Beats 92% | 5 / 59 | |
| Return on Equity | 11.89% | 2.31% | 7.92% | 10.52% | Beats 86% | 8 / 59 | |
| Net Interest Margin | 3.61% | 3.24% | 3.66% | 4.04% | Beats 46% | 32 / 59 | |
| Efficiency Ratio | 45.96% | 63.53% | 74.15% | 82.44% | Beats 97% | 3 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.32% | 0.68% | 1.20% | Beats 100% | 4 / 59 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.06% | 10.94% | 13.05% | 16.06% | Beats 75% | 15 / 59 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.06% | 10.94% | 13.05% | 16.06% | Beats 75% | 15 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 44.97% | 40.49% | 57.59% | 78.86% | 32nd pctl | 40 / 59 | |
| Loans / Assets | 37.66% | 33.06% | 50.92% | 63.03% | 31st pctl | 41 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |