Le Roy, NY · Charter 12170
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 | 1.88% | 1.84% | 1.76% | 1.95% | 1.97% | 1.71% | 2.01% | 1.97% | +2 bps | |
| Return on Equity | 20.18% | 19.39% | 18.09% | 19.06% | 18.34% | 16.20% | 18.73% | 17.21% | -185 bps | |
| Net Interest Margin | 3.84% | 3.80% | 3.80% | 3.91% | 3.97% | 3.85% | 3.88% | 3.96% | +5 bps | |
| Efficiency Ratio | 61.14% | 61.61% | 62.38% | 59.13% | 59.41% | 61.00% | 57.33% | 58.91% | -22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.12% | 7.95% | 5.04% | 2.23% | 4.54% | 5.98% | 7.67% | 4.92% | +269 bps | |
| Loan Growth (YoY) | -6.20% | -5.32% | -3.97% | -4.77% | -1.75% | -6.89% | -10.98% | -14.97% | -1,020 bps | |
| Share Growth (YoY) | 3.64% | 6.69% | 3.49% | 0.45% | 2.90% | 4.71% | 6.47% | 3.54% | +310 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.08% | 2.37% | 1.89% | 2.32% | 2.15% | 2.03% | 2.01% | 0.37% | -195 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 | 9.31% | 9.47% | 9.73% | 10.24% | 10.76% | 10.58% | 10.71% | 11.44% | +120 bps | |
| Net Worth / Assets | 9.31% | 9.47% | 9.73% | 10.24% | 10.76% | 10.58% | 10.71% | 11.44% | +120 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.31% | 41.47% | 40.82% | 39.49% | 40.40% | 36.87% | 34.13% | 32.43% | -706 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |