Depew, NY · Charter 11663
NCUA · 3 branches
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 | -1.38% | -1.16% | -0.88% | -1.30% | -0.93% | -0.61% | -0.46% | -0.15% | +115 bps | |
| Return on Equity | -16.86% | -14.39% | -11.37% | -17.36% | -11.90% | -7.98% | -6.08% | -1.92% | +1,544 bps | |
| Net Interest Margin | 4.25% | 4.30% | 4.31% | 4.55% | 4.90% | 4.78% | 4.88% | 4.96% | +41 bps | |
| Efficiency Ratio | 106.50% | 101.15% | 108.74% | 108.15% | 106.19% | 104.05% | 104.63% | 101.59% | -655 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.47% | -0.11% | -0.72% | -2.98% | -4.89% | -1.74% | -3.29% | -2.04% | +94 bps | |
| Loan Growth (YoY) | -8.25% | -7.25% | -4.22% | -1.79% | -1.36% | -0.50% | 2.12% | 3.49% | +528 bps | |
| Share Growth (YoY) | 0.83% | 1.41% | 0.44% | -1.44% | -4.32% | -1.24% | -3.06% | -2.18% | -74 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.94% | 3.48% | 3.57% | 1.29% | 2.16% | 2.27% | 2.04% | 2.85% | +156 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 | 8.20% | 8.07% | 7.77% | 7.48% | 7.80% | 7.61% | 7.54% | 7.61% | +13 bps | |
| Net Worth / Assets | 8.20% | 8.07% | 7.77% | 7.48% | 7.80% | 7.61% | 7.54% | 7.61% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.86% | 68.91% | 66.84% | 68.57% | 72.02% | 69.42% | 70.41% | 72.55% | +398 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |