PackageTrendsPeer
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Great Meadow

Hudson Falls, NY · Charter 11402

NCUA · 4 branches

Q2 2026

$84.1MAssets
$53.3MLoans
$74.9MShares
$8.7MNet 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 0.85%, down 22 bps year over year; NIM at 3.82%.
  • Asset quality: problem loans at 0.58% of loans (-18 bps YoY).
  • Capital: net worth / assets of 10.38%, down 46 bps from a year ago.
  • Funding: loans stand at 71.11% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.85%-22 bps YoY

Net Interest Margin (YTD, annualized)

3.82%-26 bps YoY

Efficiency Ratio (YTD, annualized)

81.15%+779 bps YoY

Net Worth / Assets

10.38%-46 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.07%1.04%0.71%1.42%0.85%-22 bps
Return on Equity9.85%9.63%6.71%13.68%8.20%-165 bps
Net Interest Margin4.09%4.15%4.13%4.26%3.82%-26 bps
Efficiency Ratio73.36%74.93%78.52%71.60%81.15%+779 bps
Growth
Asset Growth (YoY)13.38%19.95%16.40%14.53%11.21%-218 bps
Loan Growth (YoY)3.22%5.79%11.30%11.46%13.49%+1,027 bps
Share Growth (YoY)14.44%21.36%17.38%17.16%12.55%-190 bps
Asset Quality
Delinquent Loans / Loans0.77%0.82%0.90%0.99%0.58%-18 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 Capital10.84%10.84%10.58%10.39%10.38%-46 bps
Net Worth / Assets10.84%10.84%10.58%10.39%10.38%-46 bps
Liquidity & Funding
Loans / Shares70.52%69.58%72.71%68.21%71.11%+59 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps