Ballston Spa, NY · Charter 12957
NCUA · 4 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 | 0.14% | 0.15% | 0.29% | 0.41% | 0.54% | 0.51% | 0.39% | 0.34% | -7 bps | |
| Return on Equity | 1.55% | 1.67% | 3.10% | 4.38% | 5.60% | 5.36% | 4.11% | 3.60% | -78 bps | |
| Net Interest Margin | 2.74% | 2.89% | 3.14% | 3.23% | 3.33% | 3.35% | 3.48% | 3.50% | +27 bps | |
| Efficiency Ratio | 94.46% | 93.96% | 90.33% | 87.94% | 82.88% | 83.17% | 87.87% | 87.42% | -52 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.95% | -2.12% | -4.96% | -5.14% | -3.92% | 1.38% | 3.64% | 4.05% | +919 bps | |
| Loan Growth (YoY) | -1.83% | -1.84% | -2.04% | -3.47% | -3.85% | -2.59% | -3.12% | -1.42% | +205 bps | |
| Share Growth (YoY) | -3.04% | -1.66% | 4.54% | 8.27% | 7.91% | 9.10% | 6.01% | 2.18% | -609 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.34% | 0.21% | 0.25% | 0.32% | 0.44% | 0.25% | 0.65% | +41 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 | 8.84% | 9.20% | 9.34% | 9.39% | 9.60% | 9.54% | 9.49% | 9.45% | +6 bps | |
| Net Worth / Assets | 8.84% | 9.20% | 9.34% | 9.39% | 9.60% | 9.54% | 9.49% | 9.45% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.20% | 94.56% | 88.23% | 83.39% | 85.71% | 84.43% | 80.62% | 80.46% | -293 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |