Niagara Falls, NY · Charter 98
NCUA · 1 branch
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
77
Asset Quality
63
Profitability
61
Liquidity
46
Efficiency
67
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 98
NCUA · 1 branch
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 | 1.54% | 1.88% | 1.43% | 0.71% | 1.09% | -45 bps | |
| Return on Equity | 8.77% | 9.77% | 7.53% | 3.92% | 5.90% | -287 bps | |
| Net Interest Margin | 3.95% | 4.29% | 4.01% | 4.30% | 4.12% | +17 bps | |
| Efficiency Ratio | 58.22% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.43% | +43 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 | 17.55% | 19.26% | 18.99% | 18.19% | 18.43% | +87 bps | |
| Net Worth / Assets | 17.55% | 19.26% | 18.99% | 18.19% | 18.43% | +87 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.54% | 47.01% | 45.00% | 46.04% | 42.62% | -193 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
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
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.08% | 0.35% | 0.84% | 1.37% | Beats 60% | 24 / 60 | |
| Return on Equity | 5.89% | 2.76% | 6.36% | 10.04% | Beats 43% | 34 / 60 | |
| Net Interest Margin | 4.12% | 3.02% | 3.63% | 4.05% | Beats 80% | 12 / 60 | |
| Efficiency Ratio | 70.95% | 67.68% | 77.48% | 89.33% | Beats 67% | 21 / 60 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.42% | 0.32% | 0.64% | 1.44% | Beats 63% | 23 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 18.43% | 10.72% | 13.16% | 17.68% | Beats 77% | 14 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 18.43% | 10.72% | 13.16% | 17.68% | Beats 77% | 14 / 60 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 42.62% | 43.79% | 55.03% | 72.55% | 23rd pctl | 46 / 60 | |
| Loans / Assets | 34.76% | 36.50% | 47.22% | 58.67% | 18th pctl | 49 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||