PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Servu

Painted Post, NY · Charter 10933

NCUA · 8 branches

Q2 2026

$529.2MAssets
$384.2MLoans
$446.1MShares
$78.5MNet 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 1.40%, up 52 bps year over year; NIM at 3.99%.
  • Asset quality: problem loans at 0.47% of loans (-21 bps YoY).
  • Capital: net worth / assets of 14.83%, up 27 bps from a year ago.
  • Funding: loans stand at 86.13% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.40%+52 bps YoY

Net Interest Margin (YTD, annualized)

3.99%+28 bps YoY

Efficiency Ratio (YTD, annualized)

67.83%-959 bps YoY

Net Worth / Assets

14.83%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%0.91%0.84%1.39%1.40%+52 bps
Return on Equity6.05%6.07%5.71%9.44%9.42%+337 bps
Net Interest Margin3.71%3.81%3.80%4.14%3.99%+28 bps
Efficiency Ratio77.41%77.93%78.42%69.52%67.83%-959 bps
Growth
Asset Growth (YoY)5.31%5.51%6.91%5.50%5.97%+66 bps
Loan Growth (YoY)7.10%7.92%7.97%9.09%8.92%+182 bps
Share Growth (YoY)5.40%5.33%7.10%5.62%5.86%+47 bps
Asset Quality
Delinquent Loans / Loans0.68%0.68%0.46%0.55%0.47%-21 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.56%14.92%14.77%14.76%14.83%+27 bps
Net Worth / Assets14.56%14.92%14.77%14.76%14.83%+27 bps
Liquidity & Funding
Loans / Shares83.71%86.08%85.46%85.49%86.13%+242 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps