Ogdensburg, NY · Charter 13186
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 | 0.96% | 0.93% | 0.76% | 0.86% | 1.03% | 0.92% | 1.07% | 1.07% | +21 bps | |
| Return on Equity | 7.94% | 7.63% | 6.31% | 7.11% | 8.28% | 7.43% | 8.56% | 8.56% | +145 bps | |
| Net Interest Margin | 2.39% | 2.37% | 2.28% | 2.33% | 2.49% | 2.49% | 2.51% | 2.49% | +15 bps | |
| Efficiency Ratio | 60.37% | 61.29% | 64.54% | 62.03% | 58.30% | 57.64% | 57.45% | 56.86% | -517 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.07% | 6.02% | 7.58% | 5.84% | 4.94% | 6.31% | 4.42% | 5.48% | -36 bps | |
| Loan Growth (YoY) | 10.12% | 10.94% | 11.33% | 9.41% | 5.90% | 2.03% | -4.86% | -10.73% | -2,014 bps | |
| Share Growth (YoY) | 3.42% | 5.66% | 7.46% | 5.49% | 4.42% | 6.10% | 3.90% | 5.08% | -40 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.34% | 1.45% | 1.48% | 1.82% | 1.75% | 1.35% | 1.34% | 1.08% | -74 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 | 12.10% | 12.23% | 12.04% | 12.14% | 12.50% | 12.42% | 12.53% | 12.51% | +38 bps | |
| Net Worth / Assets | 12.10% | 12.23% | 12.04% | 12.14% | 12.50% | 12.42% | 12.53% | 12.51% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.81% | 50.17% | 48.90% | 49.62% | 50.51% | 48.25% | 44.78% | 42.15% | -747 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |