Akron, NY · Charter 13367
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 | 1.05% | 1.16% | -0.31% | -0.04% | 0.27% | 0.98% | -0.26% | 0.34% | +38 bps | |
| Return on Equity | 5.01% | 5.45% | -1.53% | -0.17% | 1.26% | 4.43% | -1.23% | 1.65% | +182 bps | |
| Net Interest Margin | 4.14% | 4.05% | 2.73% | 2.69% | 3.02% | 3.50% | 2.45% | 2.93% | +23 bps | |
| Efficiency Ratio | 74.78% | 65.87% | 80.98% | 86.18% | 82.06% | 73.03% | 110.45% | 88.26% | +208 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.07% | -16.02% | -10.05% | -10.42% | 1.21% | 0.30% | -1.65% | 2.57% | +1,298 bps | |
| Loan Growth (YoY) | -19.97% | -32.56% | -35.07% | -29.75% | -30.45% | -14.45% | -6.21% | -10.80% | +1,896 bps | |
| Share Growth (YoY) | -18.32% | -20.47% | -13.19% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.09% | 1.29% | 1.47% | 1.43% | 1.57% | 1.51% | 1.57% | 1.61% | +17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.88% | 21.23% | 20.04% | 20.47% | 21.42% | 22.15% | 21.11% | 20.86% | +38 bps | |
| Net Worth / Assets | 20.88% | 21.23% | 20.04% | 20.47% | 21.42% | 22.15% | 21.11% | 20.86% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.45% | 67.57% | 54.72% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |