Niagara Falls, NY · Charter 9537
NCUA · 2 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
57
Asset Quality
23
Profitability
81
Liquidity
80
Efficiency
63
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.
Niagara Falls, NY · Charter 9537
NCUA · 2 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 | 0.71% | 0.74% | 1.11% | 0.98% | 1.11% | 1.01% | 1.58% | 1.50% | +52 bps | |
| Return on Equity | 6.00% | 6.30% | 9.18% | 7.80% | 8.42% | 7.78% | 11.70% | 10.96% | +316 bps | |
| Net Interest Margin | 3.72% | 3.86% | 3.73% | 3.88% | 4.06% | 4.02% | 4.29% | 4.12% | +23 bps | |
| Efficiency Ratio | 80.15% | 79.71% | 76.86% | 78.41% | 76.95% | 78.72% | 70.17% | 71.43% | -698 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.29% | 2.06% | 0.01% | 1.40% | -2.94% | -2.46% | -3.63% | -0.14% | -155 bps | |
| Loan Growth (YoY) | -7.25% | -7.39% | -6.08% | -6.25% | -6.67% | -2.72% | -1.46% | 10.92% | +1,717 bps | |
| Share Growth (YoY) | 1.44% | 0.37% | -2.05% | -0.80% | -5.10% | -5.05% | -6.12% | -2.12% | -132 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.93% | 1.30% | 1.01% | 1.20% | 1.64% | 1.38% | 0.58% | 1.64% | +45 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 | 11.88% | 11.78% | 12.06% | 12.56% | 13.23% | 12.99% | 13.51% | 13.69% | +113 bps | |
| Net Worth / Assets | 11.88% | 11.78% | 12.06% | 12.56% | 13.23% | 12.99% | 13.51% | 13.69% | +113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.04% | 44.63% | 43.55% | 44.24% | 46.27% | 45.73% | 45.71% | 50.14% | +589 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Niagara Falls, NY · Charter 9537 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 2 branches
Q2 2026
Return on Assets
1.50%
Rank 10 of 60
Net Interest Margin
4.12%
Rank 13 of 60
Efficiency Ratio
71.44%
Rank 23 of 60
Equity / Assets
13.69%
Rank 26 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.50% | 0.35% | 0.84% | 1.37% | Beats 83% | 10 / 60 | ||
| Return on Equity | 10.97% | 2.76% | 6.36% | 10.04% | Beats 82% | 11 / 60 | ||
| Net Interest Margin | 4.12% | 3.02% | 3.63% | 4.05% | Beats 78% | 13 / 60 | ||
| Efficiency Ratio | 71.44% | 67.68% | 77.48% | 89.33% | Beats 63% | 23 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.64% | 0.32% | 0.64% | 1.44% | Beats 23% | 47 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.69% | 10.72% | 13.16% | 17.68% | Beats 57% | 26 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.69% | 10.72% | 13.16% | 17.68% | Beats 57% | 26 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 50.14% | 43.79% | 55.03% | 72.55% | 37th pctl | 38 / 60 | ||
| Loans / Assets | 42.89% | 36.50% | 47.22% | 58.67% | 40th pctl | 36 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||