Amsterdam, NY · Charter 13766
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 | 2.03% | 2.11% | 2.06% | 1.96% | 1.94% | -10 bps | |
| Return on Equity | 14.39% | 14.34% | 13.73% | 12.93% | 13.42% | -97 bps | |
| Net Interest Margin | 3.37% | 3.46% | 3.42% | 3.37% | 3.34% | -3 bps | |
| Efficiency Ratio | 43.11% | 41.68% | 41.97% | 44.69% | 44.06% | +95 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.17% | 5.65% | 6.07% | 5.13% | 5.31% | +214 bps | |
| Loan Growth (YoY) | -11.86% | -13.90% | -15.42% | -17.60% | -16.26% | -440 bps | |
| Share Growth (YoY) | 1.56% | 4.25% | 4.59% | 3.35% | 3.53% | +197 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.21% | 0.39% | 0.48% | 0.57% | 0.41% | +20 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.12% | 14.73% | 15.02% | 15.19% | 14.43% | +30 bps | |
| Net Worth / Assets | 14.12% | 14.73% | 15.02% | 15.19% | 14.43% | +30 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 14.89% | 14.75% | 13.84% | 12.65% | 12.04% | -285 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |