Buffalo, NY · Charter 1157
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.12% | 3.29% | 3.16% | 3.13% | 3.04% | 3.03% | 2.46% | 2.63% | -50 bps | |
| Return on Equity | 16.98% | 16.16% | 15.30% | 14.58% | 14.43% | 13.78% | 11.08% | 11.48% | -310 bps | |
| Net Interest Margin | 4.87% | 5.21% | 5.28% | 5.13% | 4.97% | 5.03% | 4.60% | 4.62% | -51 bps | |
| Efficiency Ratio | 50.17% | 50.95% | 53.32% | 52.51% | 52.03% | 52.40% | 57.24% | 56.08% | +357 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.43% | 2.85% | 0.24% | -2.42% | 1.39% | 7.19% | 6.60% | 6.64% | +906 bps | |
| Loan Growth (YoY) | 13.45% | 2.67% | 2.30% | 4.70% | 3.22% | 2.30% | -2.39% | -6.94% | -1,164 bps | |
| Share Growth (YoY) | 4.12% | -0.37% | -3.55% | -6.96% | -2.03% | 4.73% | 4.47% | 4.58% | +1,155 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 0.40% | 0.04% | 0.08% | 0.36% | 0.11% | 0.28% | 0.35% | +27 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 | 18.37% | 20.37% | 20.65% | 21.48% | 21.10% | 22.00% | 22.18% | 22.93% | +145 bps | |
| Net Worth / Assets | 18.37% | 20.37% | 20.65% | 21.48% | 21.10% | 22.00% | 22.18% | 22.93% | +145 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.85% | 78.97% | 78.91% | 82.23% | 78.86% | 77.14% | 73.73% | 73.17% | -906 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |