PackageTrendsPeer
Letter portraitLegal landscape

Kenmore N. Y. Teachers

Buffalo, NY · Charter 858

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area3

Basis

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.

Peer group

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.

Peer standing

Capital

13

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

31

Q2 2024Q2 2026peer median (50)

Liquidity

33

Q2 2024Q2 2026peer median

Efficiency

43

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Kenmore N. Y. Teachers

Buffalo, NY · Charter 858

NCUA · 1 branch

Q2 2026

$69.5MAssets
$25.2MLoans
$63.7MShares
$6.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.63%, up 17 bps year over year; NIM at 2.19%.
  • Asset quality: problem loans at 0.87% of loans (-79 bps YoY).
  • Capital: net worth / assets of 9.39%, up 33 bps from a year ago.
  • Funding: loans stand at 39.55% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.63%+17 bps YoY

Net Interest Margin (YTD, annualized)

2.19%-2 bps YoY

Efficiency Ratio (YTD, annualized)

79.09%-244 bps YoY

Net Worth / Assets

9.39%+33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.46%0.56%0.61%0.41%0.63%+17 bps
Return on Equity5.03%5.93%6.42%4.50%6.69%+166 bps
Net Interest Margin2.22%2.35%2.39%2.20%2.19%-2 bps
Efficiency Ratio81.53%77.84%76.41%83.80%79.09%-244 bps
Growth
Asset Growth (YoY)3.56%4.80%6.09%9.82%4.57%+101 bps
Loan Growth (YoY)-5.76%-4.76%-5.12%-4.51%-4.06%+170 bps
Share Growth (YoY)3.94%5.37%5.97%10.01%4.91%+97 bps
Asset Quality
Delinquent Loans / Loans1.66%0.98%0.98%0.78%0.87%-79 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.06%9.46%9.57%9.17%9.39%+33 bps
Net Worth / Assets9.06%9.46%9.57%9.17%9.39%+33 bps
Liquidity & Funding
Loans / Shares43.25%44.81%44.00%39.99%39.55%-370 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Kenmore N. Y. Teachers

Buffalo, NY · Charter 858 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)

NCUA · 1 branch

Q2 2026

$69.5MAssets
$25.2MLoans
$63.7MShares
$6.5MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 53% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 28 of 60).
  • Widest gap: net interest margin trails 98% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 59 of 60).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

0.63%

Rank 38 of 60

Net Interest Margin

2.19%

Rank 59 of 60

Efficiency Ratio

79.20%

Rank 35 of 60

Equity / Assets

9.39%

Rank 52 of 60

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.63%0.35%0.84%1.37%Beats 37%38 / 60
Return on Equity6.68%2.76%6.36%10.04%Beats 53%28 / 60
Net Interest Margin2.19%3.02%3.63%4.05%Beats 2%59 / 60
Efficiency Ratio79.20%67.68%77.48%89.33%Beats 43%35 / 60
Asset Quality
Nonperforming Loans / Loans0.87%0.32%0.64%1.44%Beats 38%38 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.39%10.72%13.16%17.68%Beats 13%52 / 60
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.39%10.72%13.16%17.68%Beats 13%52 / 60
Liquidity & Funding
Loans / Deposits39.55%43.79%55.03%72.55%18th pctl49 / 60
Loans / Assets36.25%36.50%47.22%58.67%22nd pctl47 / 60
Brokered Deposits / Depositsn/aNot reported for this institution