Springville, NY · Charter 14505
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 | 0.11% | 0.09% | 0.05% | -0.08% | 0.06% | 0.21% | 0.23% | 0.39% | +47 bps | |
| Return on Equity | 1.09% | 0.99% | 0.53% | -0.87% | 0.64% | 2.22% | 2.44% | 4.37% | +524 bps | |
| Net Interest Margin | 1.40% | 1.34% | 1.38% | 1.48% | 1.54% | 1.67% | 1.89% | 1.75% | +27 bps | |
| Efficiency Ratio | 90.76% | 89.76% | 96.57% | 95.00% | 85.28% | 77.13% | 71.29% | 69.65% | -2,535 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.68% | 1.95% | 4.25% | 5.14% | 5.56% | 2.73% | -1.09% | 6.45% | +131 bps | |
| Loan Growth (YoY) | -3.71% | 0.17% | 6.72% | 4.45% | 11.40% | 0.93% | -11.24% | 0.65% | -380 bps | |
| Share Growth (YoY) | -3.13% | 2.07% | 4.63% | 5.61% | 6.12% | 2.73% | -1.49% | 6.66% | +105 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.93% | 1.93% | 1.53% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.33% | 0.41% | 0.39% | 0.37% | 0.45% | 0.38% | 0.60% | 0.56% | +19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.80% | 9.51% | 9.21% | 9.15% | 9.32% | 9.47% | 9.57% | 8.96% | -19 bps | |
| Net Worth / Assets | 9.80% | 9.51% | 9.21% | 9.15% | 9.32% | 9.47% | 9.57% | 8.96% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.51% | 48.74% | 49.42% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |