Newfane, NY · Charter 14462
NCUA · 5 branches
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 | 1.01% | 1.10% | 1.03% | 1.01% | 0.93% | 0.92% | 0.98% | 0.99% | -2 bps | |
| Return on Equity | 9.07% | 9.88% | 9.45% | 9.40% | 8.60% | 8.51% | 9.12% | 9.28% | -12 bps | |
| Net Interest Margin | 3.06% | 3.12% | 3.21% | 3.09% | 3.09% | 3.08% | 3.18% | 3.19% | +10 bps | |
| Efficiency Ratio | 70.80% | 69.14% | 72.11% | 70.94% | 73.03% | 73.44% | 73.03% | 73.05% | +211 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.73% | 9.50% | 11.64% | 23.64% | 23.59% | 23.20% | 21.66% | 10.33% | -1,332 bps | |
| Loan Growth (YoY) | 3.30% | 4.16% | 2.57% | 7.96% | 9.65% | 6.13% | 7.36% | 2.63% | -533 bps | |
| Share Growth (YoY) | 7.38% | 9.34% | 11.80% | 24.14% | 24.11% | 23.84% | 22.04% | 10.48% | -1,367 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.54% | 0.37% | 0.69% | 0.94% | 1.00% | 0.97% | 1.16% | +47 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 | 11.11% | 11.13% | 10.94% | 10.76% | 10.81% | 10.79% | 10.73% | 10.65% | -10 bps | |
| Net Worth / Assets | 11.11% | 11.13% | 10.94% | 10.76% | 10.81% | 10.79% | 10.73% | 10.65% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.75% | 60.88% | 57.49% | 54.03% | 54.55% | 52.17% | 50.57% | 50.20% | -384 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |