Amherst, NY · Charter 8618
NCUA · 3 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
38
Asset Quality
88
Profitability
11
Liquidity
86
Efficiency
7
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.
Amherst, NY · Charter 8618
NCUA · 3 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 | 0.15% | 0.13% | 0.06% | 0.03% | 0.16% | 0.05% | -0.63% | -0.39% | -42 bps | |
| Return on Equity | 1.27% | 1.08% | 0.51% | 0.25% | 1.26% | 0.43% | -5.16% | -3.30% | -355 bps | |
| Net Interest Margin | 3.31% | 3.41% | 3.26% | 3.22% | 3.36% | 3.28% | 3.06% | 2.84% | -38 bps | |
| Efficiency Ratio | 95.46% | 96.23% | 98.18% | 99.14% | 95.32% | 98.44% | 120.38% | 113.65% | +1,451 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.62% | -9.42% | -3.22% | -4.42% | -4.85% | 0.59% | -5.87% | -5.27% | -84 bps | |
| Loan Growth (YoY) | -1.94% | -5.91% | -7.44% | -9.16% | -10.86% | -11.41% | -13.90% | -14.51% | -535 bps | |
| Share Growth (YoY) | -10.16% | -10.66% | -3.84% | -5.07% | -5.26% | 0.50% | -6.40% | -5.79% | -72 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.11% | 0.00% | 0.42% | 0.45% | 3.03% | 2.04% | 0.15% | -27 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 | 11.86% | 11.99% | 11.57% | 11.37% | 12.53% | 11.98% | 12.18% | 11.84% | +47 bps | |
| Net Worth / Assets | 11.86% | 11.99% | 11.57% | 11.37% | 12.53% | 11.98% | 12.18% | 11.84% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.64% | 62.93% | 58.91% | 56.79% | 60.81% | 55.47% | 54.19% | 51.53% | -526 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Amherst, NY · Charter 8618 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 3 branches
Q2 2026
Return on Assets
-0.40%
Rank 55 of 60
Net Interest Margin
2.84%
Rank 50 of 60
Efficiency Ratio
113.84%
Rank 57 of 60
Equity / Assets
11.84%
Rank 37 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.40% | 0.35% | 0.84% | 1.37% | Beats 8% | 55 / 60 | ||
| Return on Equity | -3.34% | 2.76% | 6.36% | 10.04% | Beats 8% | 55 / 60 | ||
| Net Interest Margin | 2.84% | 3.02% | 3.63% | 4.05% | Beats 17% | 50 / 60 | ||
| Efficiency Ratio | 113.84% | 67.68% | 77.48% | 89.33% | Beats 7% | 57 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.16% | 0.32% | 0.64% | 1.44% | Beats 88% | 8 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.84% | 10.72% | 13.16% | 17.68% | Beats 38% | 37 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.84% | 10.72% | 13.16% | 17.68% | Beats 38% | 37 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 51.54% | 43.79% | 55.03% | 72.55% | 40th pctl | 36 / 60 | ||
| Loans / Assets | 45.39% | 36.50% | 47.22% | 58.67% | 43rd pctl | 34 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||