Akron, NY · Charter 13367
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.04% | 0.27% | 0.98% | -0.26% | 0.34% | +38 bps | |
| Return on Equity | -0.17% | 1.26% | 4.43% | -1.23% | 1.65% | +182 bps | |
| Net Interest Margin | 2.69% | 3.02% | 3.50% | 2.45% | 2.93% | +23 bps | |
| Efficiency Ratio | 86.18% | 82.06% | 73.03% | 110.45% | 88.26% | +208 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.42% | 1.21% | 0.30% | -1.65% | 2.57% | +1,298 bps | |
| Loan Growth (YoY) | -29.75% | -30.45% | -14.45% | -6.21% | -10.80% | +1,896 bps | |
| Share Growth (YoY) | -13.57% | 0.34% | -1.07% | -3.20% | 2.06% | +1,563 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.43% | 1.57% | 1.51% | 1.57% | 1.61% | +17 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.47% | 21.42% | 22.15% | 21.11% | 20.86% | +38 bps | |
| Net Worth / Assets | 20.47% | 21.42% | 22.15% | 21.11% | 20.86% | +38 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.62% | 55.07% | 58.43% | 53.02% | 50.37% | -726 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |