Ticonderoga, NY · Charter 9219
NCUA · 4 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 NY (n=59). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
8
Asset Quality
46
Profitability
51
Liquidity
93
Efficiency
42
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.
Ticonderoga, NY · Charter 9219
NCUA · 4 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 | 0.38% | 0.37% | 0.39% | 0.63% | 0.79% | 0.80% | 0.61% | 0.73% | +10 bps | |
| Return on Equity | 4.16% | 3.94% | 4.17% | 6.63% | 8.35% | 8.30% | 6.23% | 7.45% | +83 bps | |
| Net Interest Margin | 3.67% | 3.85% | 3.96% | 3.96% | 3.90% | 3.96% | 4.09% | 4.07% | +12 bps | |
| Efficiency Ratio | 84.88% | 85.76% | 91.02% | 85.84% | 82.82% | 81.61% | 81.23% | 75.77% | -1,007 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.61% | 3.23% | 1.78% | 1.75% | 2.36% | 5.93% | 4.98% | 4.99% | +324 bps | |
| Loan Growth (YoY) | 5.30% | 0.14% | -1.69% | -2.69% | -4.63% | -3.80% | -2.59% | -2.28% | +41 bps | |
| Share Growth (YoY) | 6.48% | 2.50% | 0.40% | 1.37% | 2.75% | 6.03% | 5.32% | 6.86% | +549 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.00% | 0.78% | 0.52% | 0.89% | 0.71% | 1.16% | 0.65% | 0.84% | -6 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 | 9.11% | 9.38% | 9.39% | 9.45% | 9.49% | 9.58% | 9.73% | 9.78% | +33 bps | |
| Net Worth / Assets | 9.11% | 9.38% | 9.39% | 9.45% | 9.49% | 9.58% | 9.73% | 9.78% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.60% | 63.08% | 62.26% | 60.68% | 58.10% | 57.23% | 57.59% | 55.49% | -519 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ticonderoga, NY · Charter 9219 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 4 branches
Q2 2026
Return on Assets
0.73%
Rank 38 of 59
Net Interest Margin
4.07%
Rank 14 of 59
Efficiency Ratio
75.78%
Rank 35 of 59
Equity / Assets
9.78%
Rank 54 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.73% | 0.28% | 1.01% | 1.42% | Beats 36% | 38 / 59 | ||
| Return on Equity | 7.45% | 2.31% | 7.92% | 10.52% | Beats 42% | 34 / 59 | ||
| Net Interest Margin | 4.07% | 3.24% | 3.66% | 4.04% | Beats 76% | 14 / 59 | ||
| Efficiency Ratio | 75.78% | 63.53% | 74.15% | 82.44% | Beats 42% | 35 / 59 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.84% | 0.32% | 0.68% | 1.20% | Beats 46% | 33 / 59 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.78% | 10.94% | 13.05% | 16.06% | Beats 8% | 54 / 59 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.78% | 10.94% | 13.05% | 16.06% | Beats 8% | 54 / 59 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 55.49% | 40.49% | 57.59% | 78.86% | 42nd pctl | 34 / 59 | ||
| Loans / Assets | 50.92% | 33.06% | 50.92% | 63.03% | 49th pctl | 30 / 59 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||