Hudson Falls, NY · Charter 11402
NCUA · 4 branches
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 | 1.15% | 0.87% | 0.96% | 1.07% | 1.04% | 0.71% | 1.42% | 0.85% | -22 bps | |
| Return on Equity | 9.68% | 7.64% | 8.79% | 9.85% | 9.63% | 6.71% | 13.68% | 8.20% | -165 bps | |
| Net Interest Margin | 4.88% | 4.67% | 4.07% | 4.09% | 4.15% | 4.13% | 4.26% | 3.82% | -26 bps | |
| Efficiency Ratio | 80.75% | 82.82% | 74.54% | 73.36% | 74.93% | 78.52% | 71.60% | 81.15% | +779 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.80% | 10.61% | 13.47% | 13.38% | 19.95% | 16.40% | 14.53% | 11.21% | -218 bps | |
| Loan Growth (YoY) | 3.61% | 3.78% | 3.55% | 3.22% | 5.79% | 11.30% | 11.46% | 13.49% | +1,027 bps | |
| Share Growth (YoY) | 2.19% | 11.15% | 14.83% | 14.44% | 21.36% | 17.38% | 17.16% | 12.55% | -190 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.51% | 1.26% | 0.89% | 0.77% | 0.82% | 0.90% | 0.99% | 0.58% | -18 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.93% | 11.43% | 10.92% | 10.84% | 10.84% | 10.58% | 10.39% | 10.38% | -46 bps | |
| Net Worth / Assets | 11.93% | 11.43% | 10.92% | 10.84% | 10.84% | 10.58% | 10.39% | 10.38% | -46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.82% | 76.68% | 71.70% | 70.52% | 69.58% | 72.71% | 68.21% | 71.11% | +59 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |