Cheektowaga, NY · Charter 12912
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 | 1.29% | 0.48% | -1.36% | -0.33% | -0.26% | -0.47% | -0.26% | -0.19% | +15 bps | |
| Return on Equity | 9.03% | 3.76% | -10.58% | -2.58% | -2.04% | -3.45% | -2.00% | -1.43% | +116 bps | |
| Net Interest Margin | 4.92% | 4.45% | 4.27% | 4.37% | 4.39% | 4.73% | 4.63% | 4.68% | +31 bps | |
| Efficiency Ratio | 78.39% | 84.98% | 95.43% | 93.44% | 97.27% | 104.38% | 111.26% | 109.95% | +1,651 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.86% | 6.70% | 1.05% | 6.95% | 6.11% | -9.11% | -3.29% | -4.90% | -1,185 bps | |
| Loan Growth (YoY) | -8.51% | -9.71% | -8.06% | -10.53% | -5.36% | -5.22% | -3.10% | -1.21% | +932 bps | |
| Share Growth (YoY) | -4.37% | 7.12% | 1.38% | 8.45% | 7.89% | -9.96% | -3.58% | -5.22% | -1,367 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.18% | 0.08% | 0.00% | 0.00% | 0.23% | 0.00% | 0.62% | 0.39% | +39 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 | 14.31% | 12.72% | 12.88% | 12.96% | 12.87% | 13.53% | 13.15% | 13.25% | +29 bps | |
| Net Worth / Assets | 14.31% | 12.72% | 12.88% | 12.96% | 12.87% | 13.53% | 13.15% | 13.25% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.83% | 72.49% | 75.30% | 72.29% | 72.66% | 76.30% | 75.68% | 75.34% | +306 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |