PackageTrendsPeer
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Spencerport

Spencerport, NY · Charter 14884

NCUA · 1 branch

Q2 2026

$43.1MAssets
$22.4MLoans
$39.0MShares
$4.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.99%, up 23 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 0.49% of loans (-33 bps YoY).
  • Capital: net worth / assets of 9.27%, up 73 bps from a year ago.
  • Funding: loans stand at 57.56% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.99%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.86%+5 bps YoY

Efficiency Ratio (YTD, annualized)

74.15%-76 bps YoY

Net Worth / Assets

9.27%+73 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.79%0.76%0.74%0.99%+23 bps
Return on Equity8.98%8.98%8.16%8.18%10.71%+173 bps
Net Interest Margin3.81%3.94%3.88%3.78%3.86%+5 bps
Efficiency Ratio74.91%73.65%76.14%76.11%74.15%-76 bps
Growth
Asset Growth (YoY)2.95%5.78%4.24%6.19%6.18%+323 bps
Loan Growth (YoY)5.35%6.81%10.71%6.46%2.74%-261 bps
Share Growth (YoY)2.05%5.21%3.16%5.59%5.64%+359 bps
Asset Quality
Delinquent Loans / Loans0.81%1.67%1.79%0.74%0.49%-33 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.53%8.81%9.30%9.10%9.27%+73 bps
Net Worth / Assets8.53%8.81%9.30%9.10%9.27%+73 bps
Liquidity & Funding
Loans / Shares59.18%60.29%59.06%57.14%57.56%-163 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps