Syracuse, NY · Charter 13938
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.80% | 1.46% | 1.24% | 1.27% | 1.18% | 1.40% | 1.22% | -3 bps | |
| Return on Equity | 8.25% | 7.68% | 13.84% | 11.57% | 11.28% | 10.25% | 11.76% | 10.03% | -154 bps | |
| Net Interest Margin | 3.07% | 3.11% | 3.33% | 3.22% | 3.39% | 3.36% | 4.07% | 3.72% | +50 bps | |
| Efficiency Ratio | 66.55% | 68.45% | 52.87% | 59.95% | 60.75% | 63.34% | 59.56% | 64.21% | +425 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.65% | 2.19% | 3.67% | 2.84% | 1.28% | 1.03% | -1.88% | -2.02% | -485 bps | |
| Loan Growth (YoY) | 4.90% | 9.60% | 4.81% | 17.07% | 12.58% | 3.66% | 0.48% | -6.61% | -2,367 bps | |
| Share Growth (YoY) | -1.56% | 1.54% | 2.91% | 1.99% | 0.15% | -0.20% | -3.39% | -3.54% | -553 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.05% | 0.00% | 0.00% | 0.29% | 0.41% | 0.01% | 0.00% | 0.13% | -16 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 | 1.87% | 1.92% | 2.03% | 1.87% | 2.00% | 2.06% | 2.32% | 2.12% | +25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.27% | 10.43% | 10.53% | 10.75% | 11.25% | 11.50% | 11.90% | 12.13% | +138 bps | |
| Net Worth / Assets | 10.27% | 10.43% | 10.53% | 10.75% | 11.25% | 11.50% | 11.90% | 12.13% | +138 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.93% | 38.04% | 37.40% | 40.59% | 40.39% | 39.52% | 38.90% | 39.30% | -129 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |