Hamburg, NY · Charter 10684
NCUA · 3 branches
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 | 2.26% | 2.31% | 2.11% | 2.21% | 2.37% | 2.42% | 2.32% | 2.26% | +5 bps | |
| Return on Equity | 15.98% | 15.92% | 14.61% | 14.93% | 15.34% | 15.22% | 14.42% | 13.82% | -111 bps | |
| Net Interest Margin | 4.26% | 4.24% | 4.19% | 4.19% | 4.27% | 4.24% | 4.12% | 4.09% | -10 bps | |
| Efficiency Ratio | 49.88% | 50.21% | 49.66% | 48.80% | 48.73% | 48.61% | 52.10% | 51.79% | +299 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.95% | 3.43% | 5.76% | 5.00% | 7.98% | 7.76% | 5.82% | 5.98% | +99 bps | |
| Loan Growth (YoY) | -1.97% | -2.60% | 0.00% | 5.19% | 4.99% | 5.22% | 0.30% | -1.98% | -717 bps | |
| Share Growth (YoY) | -1.16% | 1.58% | 3.55% | 3.26% | 6.37% | 6.01% | 4.21% | 3.52% | +26 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.36% | 0.35% | 0.20% | 0.29% | 0.19% | 0.22% | 0.27% | +7 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 | 14.13% | 14.54% | 14.46% | 14.80% | 15.46% | 15.90% | 16.10% | 16.36% | +156 bps | |
| Net Worth / Assets | 14.13% | 14.54% | 14.46% | 14.80% | 15.46% | 15.90% | 16.10% | 16.36% | +156 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.42% | 90.42% | 88.90% | 91.25% | 91.23% | 89.74% | 85.56% | 86.41% | -485 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |