Springville, NY · Charter 14505
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.08% | 0.06% | 0.21% | 0.23% | 0.39% | +47 bps | |
| Return on Equity | -0.87% | 0.64% | 2.22% | 2.44% | 4.37% | +524 bps | |
| Net Interest Margin | 1.48% | 1.54% | 1.67% | 1.89% | 1.75% | +27 bps | |
| Efficiency Ratio | 95.00% | 85.28% | 77.13% | 71.29% | 69.65% | -2,535 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.14% | 5.56% | 2.73% | -1.09% | 6.45% | +131 bps | |
| Loan Growth (YoY) | 4.45% | 11.40% | 0.93% | -11.24% | 0.65% | -380 bps | |
| Share Growth (YoY) | 5.61% | 6.12% | 2.73% | -1.49% | 6.66% | +105 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.95% | 1.11% | 0.67% | 0.66% | 0.56% | -140 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.37% | 0.45% | 0.38% | 0.60% | 0.56% | +19 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.15% | 9.32% | 9.47% | 9.57% | 8.96% | -19 bps | |
| Net Worth / Assets | 9.15% | 9.32% | 9.47% | 9.57% | 8.96% | -19 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.77% | 51.98% | 47.89% | 44.53% | 45.08% | -269 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |