Painted Post, NY · Charter 10933
NCUA · 8 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.88% | 0.91% | 0.84% | 1.39% | 1.40% | +52 bps | |
| Return on Equity | 6.05% | 6.07% | 5.71% | 9.44% | 9.42% | +337 bps | |
| Net Interest Margin | 3.71% | 3.81% | 3.80% | 4.14% | 3.99% | +28 bps | |
| Efficiency Ratio | 77.41% | 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 / Loans | 0.68% | 0.68% | 0.46% | 0.55% | 0.47% | -21 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.56% | 14.92% | 14.77% | 14.76% | 14.83% | +27 bps | |
| Net Worth / Assets | 14.56% | 14.92% | 14.77% | 14.76% | 14.83% | +27 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.71% | 86.08% | 85.46% | 85.49% | 86.13% | +242 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |