Corning, NY · Charter 9604
NCUA · 9 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
17
Asset Quality
69
Profitability
46
Liquidity
14
Efficiency
54
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.
Corning, NY · Charter 9604
NCUA · 9 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.69% | 0.78% | 0.87% | 1.00% | 0.96% | +27 bps | |
| Return on Equity | 6.61% | 7.32% | 8.12% | 9.48% | 8.89% | +228 bps | |
| Net Interest Margin | 3.13% | 3.23% | 3.24% | 3.45% | 3.49% | +36 bps | |
| Efficiency Ratio | 76.71% | 75.40% | 74.31% | 72.38% | 73.50% | -321 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.90% | 7.56% | 7.71% | 8.75% | 6.89% | -102 bps | |
| Loan Growth (YoY) | 6.27% | 6.63% | 6.45% | 5.91% | 5.79% | -47 bps | |
| Share Growth (YoY) | 7.92% | 6.98% | 7.05% | 8.32% | 6.79% | -113 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.35% | 0.33% | 0.53% | 0.29% | 0.44% | +9 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.45% | 10.66% | 10.73% | 10.55% | 10.77% | +32 bps | |
| Net Worth / Assets | 10.45% | 10.66% | 10.73% | 10.55% | 10.77% | +32 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.83% | 84.37% | 83.51% | 80.74% | 82.06% | -77 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Corning, NY · Charter 9604 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 9 branches
Q2 2026
Return on Assets
0.96%
Rank 34 of 59
Net Interest Margin
3.49%
Rank 37 of 59
Efficiency Ratio
73.50%
Rank 28 of 59
Equity / Assets
10.77%
Rank 49 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.96% | 0.28% | 1.01% | 1.42% | Beats 42% | 34 / 59 | |
| Return on Equity | 8.89% | 2.31% | 7.92% | 10.52% | Beats 59% | 24 / 59 | |
| Net Interest Margin | 3.49% | 3.24% | 3.66% | 4.04% | Beats 37% | 37 / 59 | |
| Efficiency Ratio | 73.50% | 63.53% | 74.15% | 82.44% | Beats 54% | 28 / 59 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.43% | 0.32% | 0.68% | 1.20% | Beats 69% | 19 / 59 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.77% | 10.94% | 13.05% | 16.06% | Beats 17% | 49 / 59 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.77% | 10.94% | 13.05% | 16.06% | Beats 17% | 49 / 59 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.06% | 40.49% | 57.59% | 78.86% | 83rd pctl | 10 / 59 | |
| Loans / Assets | 73.15% | 33.06% | 50.92% | 63.03% | 90th pctl | 6 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||