PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Sweet Home

Amherst, NY · Charter 11470

NCUA · 1 branch

Q2 2026

$45.4MAssets
$21.0MLoans
$39.3MShares
$6.0MNet 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 1.61%, down 21 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 1.44% of loans (+33 bps YoY).
  • Capital: net worth / assets of 13.29%, up 145 bps from a year ago.
  • Funding: loans stand at 53.54% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.61%-21 bps YoY

Net Interest Margin (YTD, annualized)

3.76%-16 bps YoY

Efficiency Ratio (YTD, annualized)

61.36%+83 bps YoY

Net Worth / Assets

13.29%+145 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.82%1.93%1.84%1.38%1.61%-21 bps
Return on Equity15.36%15.37%14.55%10.59%12.13%-323 bps
Net Interest Margin3.92%4.01%3.86%3.75%3.76%-16 bps
Efficiency Ratio60.53%59.24%59.62%63.73%61.36%+83 bps
Growth
Asset Growth (YoY)0.39%1.80%5.28%2.50%2.41%+202 bps
Loan Growth (YoY)-3.23%-2.23%-2.10%-0.36%0.75%+399 bps
Share Growth (YoY)-1.67%-0.12%3.79%0.82%0.71%+239 bps
Asset Quality
Delinquent Loans / Loans1.11%1.47%0.49%0.54%1.44%+33 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 Capital11.84%12.58%12.65%13.03%13.29%+145 bps
Net Worth / Assets11.84%12.58%12.65%13.03%13.29%+145 bps
Liquidity & Funding
Loans / Shares53.52%55.23%53.26%53.23%53.54%+2 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps