PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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