Auburn Community
Auburn, NY · Charter 988 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 4 branches
Q2 2026
$126.5MAssets
$40.0MLoans
$108.7MShares
$15.5MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 88% of credit unions under $1B in assets in NY (rank 8 of 59).
- Widest gap: efficiency ratio trails 63% of credit unions under $1B in assets in NY (rank 38 of 59).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.99%
Rank 32 of 59
Net Interest Margin
3.77%
Rank 26 of 59
Efficiency Ratio
77.84%
Rank 38 of 59
Equity / Assets
12.28%
Rank 33 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.99% | 0.28% | 1.01% | 1.42% | Beats 46% | 32 / 59 | |
| Return on Equity | 8.04% | 2.31% | 7.92% | 10.52% | Beats 51% | 29 / 59 | |
| Net Interest Margin | 3.77% | 3.24% | 3.66% | 4.04% | Beats 56% | 26 / 59 | |
| Efficiency Ratio | 77.84% | 63.53% | 74.15% | 82.44% | Beats 37% | 38 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.32% | 0.68% | 1.20% | Beats 88% | 8 / 59 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.28% | 10.94% | 13.05% | 16.06% | Beats 44% | 33 / 59 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.28% | 10.94% | 13.05% | 16.06% | Beats 44% | 33 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 36.85% | 40.49% | 57.59% | 78.86% | 22nd pctl | 46 / 59 | |
| Loans / Assets | 31.65% | 33.06% | 50.92% | 63.03% | 20th pctl | 47 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |