Tonawanda, NY · Charter 10225
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.66% | 0.79% | 2.04% | 1.65% | 1.45% | -5.22% | 1.49% | -55 bps | |
| Return on Equity | 2.75% | 3.35% | 3.96% | 10.06% | 7.91% | 6.65% | -21.22% | 6.01% | -404 bps | |
| Net Interest Margin | 3.42% | 3.46% | 3.63% | 5.00% | 4.64% | 4.58% | 4.15% | 4.06% | -94 bps | |
| Efficiency Ratio | 88.66% | 84.16% | 90.24% | 59.56% | 64.63% | 68.43% | 81.61% | 82.06% | +2,250 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.86% | 1.15% | -1.89% | -1.79% | -0.04% | -3.73% | -9.79% | -12.97% | -1,119 bps | |
| Loan Growth (YoY) | 18.30% | 10.47% | 11.20% | 2.43% | -10.78% | -13.00% | -16.57% | -21.21% | -2,364 bps | |
| Share Growth (YoY) | 0.08% | 0.35% | -3.16% | -3.95% | -2.12% | -6.52% | -14.73% | -17.63% | -1,368 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.55% | 2.67% | 2.69% | 3.01% | 2.23% | 2.33% | 0.00% | 0.00% | -301 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.35% | 19.62% | 20.03% | 20.27% | 20.85% | 21.83% | 24.61% | 24.70% | +444 bps | |
| Net Worth / Assets | 19.35% | 19.62% | 20.03% | 20.27% | 20.85% | 21.83% | 24.61% | 24.70% | +444 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.48% | 82.24% | 84.33% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |