Buffalo Conrail

Cheektowaga, NY · 1 · Charter #845 · www.bufconfcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$57.4M
9th percentile
Members
2,551
2th percentile
Total loans
$44.8M
34th percentile
Total shares
$44.0M
3th percentile

Profitability

Return on assets
1.72%
86th percentile
Net interest margin
3.93%
66th percentile
Efficiency ratio
47.45%
87th percentile
Non-interest income ratio
3.69%
3th percentile

Capital & Risk

Net worth ratio
22.75%
97th percentile
Delinquency rate
0.22%
85th percentile
Net charge-off rate
0.23%
62th percentile
Loan-to-share
101.66%
96th percentile

Growth

Member growth YoY
0.83%
68th percentile
Asset growth YoY
8.18%
82th percentile
Loan growth YoY
4.15%
66th percentile
Share growth YoY
8.17%
82th percentile

Operations

Members / branch
2,551
37th percentile
Assets / member
$22,514
90th percentile
Field of membership penetration
79.72%
97th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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