Gloversville, NY · Charter 10746
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 | -2.41% | -1.64% | 4.03% | 2.28% | 2.11% | 1.53% | 0.93% | 0.26% | -202 bps | |
| Return on Equity | -16.83% | -11.10% | 26.01% | 14.48% | 12.90% | 9.31% | 5.72% | 1.63% | -1,285 bps | |
| Net Interest Margin | 5.52% | 5.51% | 4.94% | 4.92% | 4.96% | 4.93% | 4.43% | 4.49% | -43 bps | |
| Efficiency Ratio | 75.61% | 76.53% | 85.48% | 89.29% | 94.87% | 95.71% | 98.14% | 101.23% | +1,194 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.86% | -16.41% | -12.01% | -11.92% | -1.64% | -1.41% | -0.59% | 1.30% | +1,322 bps | |
| Loan Growth (YoY) | -9.76% | -8.92% | -10.34% | -7.30% | 0.88% | -10.44% | -2.22% | 0.69% | +799 bps | |
| Share Growth (YoY) | -19.16% | -17.75% | -15.71% | -15.39% | -4.56% | -3.28% | -1.49% | 1.00% | +1,639 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.57% | 2.72% | 0.00% | 0.69% | 0.44% | 0.80% | 0.17% | 0.28% | -40 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 | 6.20% | 6.23% | 3.10% | 3.05% | 1.06% | 1.54% | 0.62% | 0.83% | -222 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.34% | 14.74% | 15.51% | 15.77% | 16.36% | 16.49% | 16.32% | 16.06% | +28 bps | |
| Net Worth / Assets | 14.34% | 14.74% | 15.51% | 15.77% | 16.36% | 16.49% | 16.32% | 16.06% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.90% | 30.89% | 30.09% | 29.86% | 30.55% | 28.60% | 29.87% | 29.77% | -9 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |