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Niagara Falls Teachers

Niagara Falls, NY · Charter 98

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area3

Basis

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.

Peer group

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.

Peer standing

Capital

77

Q2 2024Q2 2026peer median (50)

Asset Quality

63

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

46

Q2 2024Q2 2026peer median

Efficiency

67

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Niagara Falls Teachers

Niagara Falls, NY · Charter 98

NCUA · 1 branch

Q2 2026

$13.6MAssets
$4.7MLoans
$11.1MShares
$2.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.09%, down 45 bps year over year; NIM at 4.12%.
  • Asset quality: problem loans at 0.43% of loans (+43 bps YoY).
  • Capital: net worth / assets of 18.43%, up 87 bps from a year ago.
  • Funding: loans stand at 42.62% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.09%-45 bps YoY

Net Interest Margin (YTD, annualized)

4.12%+17 bps YoY

Efficiency Ratio (YTD, annualized)

71.07%+1,285 bps YoY

Net Worth / Assets

18.43%+87 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.54%1.88%1.43%0.71%1.09%-45 bps
Return on Equity8.77%9.77%7.53%3.92%5.90%-287 bps
Net Interest Margin3.95%4.29%4.01%4.30%4.12%+17 bps
Efficiency Ratio58.22%57.67%65.38%74.62%71.07%+1,285 bps
Growth
Asset Growth (YoY)-3.25%-6.23%-3.35%11.56%10.98%+1,423 bps
Loan Growth (YoY)-14.80%-17.25%-13.26%7.22%5.01%+1,981 bps
Share Growth (YoY)-5.26%-9.06%-5.78%10.48%9.76%+1,502 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.43%+43 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.55%19.26%18.99%18.19%18.43%+87 bps
Net Worth / Assets17.55%19.26%18.99%18.19%18.43%+87 bps
Liquidity & Funding
Loans / Shares44.54%47.01%45.00%46.04%42.62%-193 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Niagara Falls Teachers

Niagara Falls, NY · Charter 98 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)

NCUA · 1 branch

Q2 2026

$13.6MAssets
$4.7MLoans
$11.1MShares
$2.5MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 80% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 12 of 60).
  • Widest gap: return on equity trails 57% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 34 of 60).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

1.08%

Rank 24 of 60

Net Interest Margin

4.12%

Rank 12 of 60

Efficiency Ratio

70.95%

Rank 21 of 60

Equity / Assets

18.43%

Rank 14 of 60

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.08%0.35%0.84%1.37%Beats 60%24 / 60
Return on Equity5.89%2.76%6.36%10.04%Beats 43%34 / 60
Net Interest Margin4.12%3.02%3.63%4.05%Beats 80%12 / 60
Efficiency Ratio70.95%67.68%77.48%89.33%Beats 67%21 / 60
Asset Quality
Nonperforming Loans / Loans0.42%0.32%0.64%1.44%Beats 63%23 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio18.43%10.72%13.16%17.68%Beats 77%14 / 60
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets18.43%10.72%13.16%17.68%Beats 77%14 / 60
Liquidity & Funding
Loans / Deposits42.62%43.79%55.03%72.55%23rd pctl46 / 60
Loans / Assets34.76%36.50%47.22%58.67%18th pctl49 / 60
Brokered Deposits / Depositsn/aNot reported for this institution