Williamsville 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
$11.1M Assets
$5.1M Loans
$9.8M Shares
$1.3M Net Worth
Executive Summary Strongest standing: nonperforming loans / loans outperforms 88% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 8 of 60). Widest gap: efficiency ratio trails 93% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 57 of 60). Overall: at or above the peer median on 1 of 7 directional measures. 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
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11