Amherst, NY · Charter 11640
NCUA · 2 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 | 0.73% | 0.63% | 1.12% | 0.94% | 0.92% | 0.72% | 0.65% | 0.88% | -6 bps | |
| Return on Equity | 5.29% | 4.56% | 8.16% | 6.68% | 6.47% | 5.21% | 4.74% | 6.23% | -45 bps | |
| Net Interest Margin | 3.37% | 3.44% | 3.74% | 3.71% | 3.81% | 3.68% | 3.62% | 3.66% | -5 bps | |
| Efficiency Ratio | 76.47% | 77.91% | 70.12% | 70.75% | 74.00% | 76.44% | 74.51% | 74.94% | +419 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.28% | -0.04% | 0.44% | 0.49% | 0.97% | 5.27% | 3.99% | 4.23% | +374 bps | |
| Loan Growth (YoY) | 5.37% | 4.01% | 2.26% | 0.11% | -4.10% | -0.66% | -1.58% | 1.12% | +101 bps | |
| Share Growth (YoY) | -0.43% | -0.64% | -0.27% | -0.46% | 0.30% | 5.21% | 4.07% | 4.03% | +449 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.89% | 0.47% | 0.53% | 0.24% | 0.20% | 0.52% | 1.03% | 0.74% | +51 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 | 13.74% | 13.86% | 13.71% | 14.01% | 14.29% | 13.80% | 13.71% | 14.06% | +5 bps | |
| Net Worth / Assets | 13.74% | 13.86% | 13.71% | 14.01% | 14.29% | 13.80% | 13.71% | 14.06% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.32% | 49.77% | 46.95% | 47.28% | 47.16% | 46.99% | 44.40% | 45.96% | -132 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |