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Good Neighbors

Depew, NY · Charter 11663

NCUA · 3 branches

Q2 2026

$91.7MAssets
$61.3MLoans
$84.6MShares
$7.0MNet 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 -0.15%, up 115 bps year over year; NIM at 4.96%.
  • Asset quality: problem loans at 2.85% of loans (+156 bps YoY).
  • Capital: net worth / assets of 7.61%, up 13 bps from a year ago.
  • Funding: loans stand at 72.55% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-0.15%+115 bps YoY

Net Interest Margin (quarter, annualized)

4.96%+41 bps YoY

Efficiency Ratio (quarter, annualized)

101.59%-655 bps YoY

Net Worth / Assets

7.61%+13 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.30%-0.93%-0.61%-0.46%-0.15%+115 bps
Return on Equity-17.36%-11.90%-7.98%-6.08%-1.92%+1,544 bps
Net Interest Margin4.55%4.90%4.78%4.88%4.96%+41 bps
Efficiency Ratio108.15%106.19%104.05%104.63%101.59%-655 bps
Growth
Asset Growth (YoY)-2.98%-4.89%-1.74%-3.29%-2.04%+94 bps
Loan Growth (YoY)-1.79%-1.36%-0.50%2.12%3.49%+528 bps
Share Growth (YoY)-1.44%-4.32%-1.24%-3.06%-2.18%-74 bps
Asset Quality
Delinquent Loans / Loans1.29%2.16%2.27%2.04%2.85%+156 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 Capital7.48%7.80%7.61%7.54%7.61%+13 bps
Net Worth / Assets7.48%7.80%7.61%7.54%7.61%+13 bps
Liquidity & Funding
Loans / Shares68.57%72.02%69.42%70.41%72.55%+398 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps