Rochester, NY · Charter 10220
NCUA · 2 branches
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.67% | -2.53% | -2.53% | -1.58% | -1.41% | -1.83% | -2.06% | -17.13% | -1,555 bps | |
| Return on Equity | -7.18% | -6.89% | -6.69% | -3.96% | -3.41% | -4.19% | -4.71% | -54.32% | -5,036 bps | |
| Net Interest Margin | 1.87% | 1.97% | 2.12% | 2.23% | 2.41% | 2.79% | 2.90% | -4.88% | -711 bps | |
| Efficiency Ratio | 232% | 220% | 211% | 146.34% | 178.34% | 173.07% | 174.04% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.20% | 3.83% | 0.38% | -3.69% | -12.33% | -17.98% | -15.65% | -18.28% | -1,458 bps | |
| Loan Growth (YoY) | -2.45% | -9.95% | -14.13% | -21.28% | -10.09% | -10.50% | -10.53% | -6.10% | +1,517 bps | |
| Share Growth (YoY) | 15.54% | 11.22% | 5.11% | -3.60% | -17.90% | -26.96% | -23.69% | -7.11% | -351 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.11% | 0.24% | 0.16% | 0.47% | 0.10% | 0.05% | 0.64% | 0.06% | -41 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 37.23% | 36.77% | 37.77% | 39.77% | 41.23% | 43.69% | 43.69% | 31.53% | -823 bps | |
| Net Worth / Assets | 37.23% | 36.77% | 37.77% | 39.77% | 41.23% | 43.69% | 43.69% | 31.53% | -823 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.79% | 27.43% | 27.38% | 28.23% | 31.53% | 33.61% | 32.10% | 28.54% | +31 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |