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Letter portraitLegal landscapeQuarterYTD

Stratton Air National Guard

Scotia, NY · Charter 10773

NCUA · 3 branches

Q2 2026

$920KAssets
$435KLoans
$558KShares
$362KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.57%, up 6 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 39.30%, up 362 bps from a year ago.
  • Funding: loans stand at 77.96% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.57%+6 bps YoY

Net Interest Margin (quarter, annualized)

3.01%-9 bps YoY

Efficiency Ratio (quarter, annualized)

49.35%-368 bps YoY

Net Worth / Assets

39.30%+362 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.51%1.80%1.73%1.59%1.57%+6 bps
Return on Equity4.24%4.73%4.75%4.12%4.00%-24 bps
Net Interest Margin3.10%3.34%3.13%2.97%3.01%-9 bps
Efficiency Ratio53.03%47.77%46.50%48.51%49.35%-368 bps
Growth
Asset Growth (YoY)16.23%10.60%10.01%-0.19%-4.79%-2,102 bps
Loan Growth (YoY)1.51%3.05%-3.14%4.77%-4.62%-613 bps
Share Growth (YoY)24.57%14.97%13.18%-3.15%-10.06%-3,463 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.72%0.75%0.81%0.80%0.78%+6 bps
Capital
Risk-Based Capital35.69%38.01%36.34%38.49%39.30%+362 bps
Net Worth / Assets35.69%38.01%36.34%38.49%39.30%+362 bps
Liquidity & Funding
Loans / Shares73.52%79.88%68.03%75.03%77.96%+444 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps