Glens Falls, NY · Charter 12671
NCUA · 2 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 | 0.63% | 0.62% | 1.07% | 1.15% | 1.21% | 1.14% | 0.80% | 0.77% | -38 bps | |
| Return on Equity | 8.83% | 8.79% | 16.35% | 15.62% | 15.05% | 14.55% | 9.99% | 9.38% | -625 bps | |
| Net Interest Margin | 3.06% | 3.08% | 3.22% | 3.62% | 3.87% | 3.80% | 3.38% | 3.50% | -12 bps | |
| Efficiency Ratio | 81.49% | 81.34% | 70.20% | 72.17% | 72.94% | 74.14% | 79.84% | 81.12% | +894 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.28% | -3.25% | 10.95% | -0.18% | 2.18% | 1.51% | -6.20% | 0.20% | +39 bps | |
| Loan Growth (YoY) | 0.41% | -2.26% | -3.30% | -6.77% | -6.32% | -8.31% | -9.94% | -14.59% | -781 bps | |
| Share Growth (YoY) | -1.50% | 2.97% | 11.05% | -1.92% | 1.45% | 0.47% | -7.82% | 0.55% | +247 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.51% | 0.35% | 0.00% | 0.76% | 1.39% | 0.30% | 0.00% | 0.81% | +6 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 | 7.10% | 7.04% | 6.55% | 7.37% | 8.01% | 7.81% | 7.98% | 8.26% | +90 bps | |
| Net Worth / Assets | 7.10% | 7.04% | 6.55% | 7.37% | 8.01% | 7.81% | 7.98% | 8.26% | +90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.89% | 51.10% | 44.21% | 48.66% | 48.84% | 46.64% | 43.19% | 41.33% | -732 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |