Tonawanda, NY · Charter 10225
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 | 2.04% | 1.65% | 1.45% | -5.22% | 1.49% | -55 bps | |
| Return on Equity | 10.06% | 7.91% | 6.65% | -21.22% | 6.01% | -404 bps | |
| Net Interest Margin | 5.00% | 4.64% | 4.58% | 4.15% | 4.06% | -94 bps | |
| Efficiency Ratio | 59.56% | 64.63% | 68.43% | 81.61% | 82.06% | +2,250 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.79% | -0.04% | -3.73% | -9.79% | -12.97% | -1,119 bps | |
| Loan Growth (YoY) | 2.43% | -10.78% | -13.00% | -16.57% | -21.21% | -2,364 bps | |
| Share Growth (YoY) | -3.95% | -2.12% | -6.52% | -14.73% | -17.63% | -1,368 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.89% | 0.64% | 0.67% | 0.70% | 0.78% | -11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.01% | 2.23% | 2.33% | 0.00% | 0.00% | -301 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.27% | 20.85% | 21.83% | 24.61% | 24.70% | +444 bps | |
| Net Worth / Assets | 20.27% | 20.85% | 21.83% | 24.61% | 24.70% | +444 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.41% | 76.09% | 76.54% | 82.50% | 74.04% | -336 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |