Plattsburgh, NY · Charter 12473
NCUA · 5 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 | 1.03% | 1.11% | 0.98% | 1.10% | 1.14% | 1.19% | 1.10% | 1.11% | +2 bps | |
| Return on Equity | 7.82% | 8.02% | 7.16% | 8.01% | 8.00% | 8.29% | 7.67% | 7.64% | -37 bps | |
| Net Interest Margin | 3.42% | 3.56% | 3.57% | 3.57% | 3.71% | 3.74% | 3.80% | 3.87% | +30 bps | |
| Efficiency Ratio | 75.80% | 75.40% | 75.99% | 74.48% | 74.07% | 72.17% | 74.50% | 74.14% | -33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.00% | -1.59% | 1.12% | 3.53% | 1.21% | 5.09% | 4.56% | 2.28% | -125 bps | |
| Loan Growth (YoY) | -0.30% | -2.38% | -2.68% | -0.26% | 0.87% | 3.70% | 4.03% | 1.73% | +199 bps | |
| Share Growth (YoY) | 5.52% | -0.17% | 1.38% | 4.99% | 2.19% | 6.04% | 5.92% | 3.14% | -185 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.37% | 0.39% | 0.38% | 0.54% | 0.51% | 0.51% | 0.51% | +14 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 | 13.19% | 13.83% | 13.69% | 13.68% | 14.19% | 14.35% | 14.30% | 14.55% | +87 bps | |
| Net Worth / Assets | 13.19% | 13.83% | 13.69% | 13.68% | 14.19% | 14.35% | 14.30% | 14.55% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.11% | 80.13% | 77.17% | 76.21% | 79.07% | 78.36% | 75.79% | 75.17% | -104 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |