PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Circuit

Cheektowaga, NY · Charter 12912

NCUA · 1 branch

Q2 2026

$11.5MAssets
$7.5MLoans
$9.9MShares
$1.5MNet 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 -0.19%, up 15 bps year over year; NIM at 4.68%.
  • Asset quality: problem loans at 0.39% of loans (+39 bps YoY).
  • Capital: net worth / assets of 13.25%, up 29 bps from a year ago.
  • Funding: loans stand at 75.34% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-0.19%+15 bps YoY

Net Interest Margin (quarter, annualized)

4.68%+31 bps YoY

Efficiency Ratio (quarter, annualized)

109.95%+1,651 bps YoY

Net Worth / Assets

13.25%+29 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.33%-0.26%-0.47%-0.26%-0.19%+15 bps
Return on Equity-2.58%-2.04%-3.45%-2.00%-1.43%+116 bps
Net Interest Margin4.37%4.39%4.73%4.63%4.68%+31 bps
Efficiency Ratio93.44%97.27%104.38%111.26%109.95%+1,651 bps
Growth
Asset Growth (YoY)6.95%6.11%-9.11%-3.29%-4.90%-1,185 bps
Loan Growth (YoY)-10.53%-5.36%-5.22%-3.10%-1.21%+932 bps
Share Growth (YoY)8.45%7.89%-9.96%-3.58%-5.22%-1,367 bps
Asset Quality
Delinquent Loans / Loans0.00%0.23%0.00%0.62%0.39%+39 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 Capital12.96%12.87%13.53%13.15%13.25%+29 bps
Net Worth / Assets12.96%12.87%13.53%13.15%13.25%+29 bps
Liquidity & Funding
Loans / Shares72.29%72.66%76.30%75.68%75.34%+306 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps