Spencerport, NY · Charter 14884
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 | 0.88% | 0.82% | 0.53% | 0.77% | 0.79% | 0.76% | 0.74% | 0.99% | +23 bps | |
| Return on Equity | 10.31% | 9.75% | 6.35% | 8.98% | 8.98% | 8.16% | 8.18% | 10.71% | +173 bps | |
| Net Interest Margin | 3.67% | 3.60% | 3.41% | 3.81% | 3.94% | 3.88% | 3.78% | 3.86% | +5 bps | |
| Efficiency Ratio | 72.66% | 73.48% | 82.14% | 74.91% | 73.65% | 76.14% | 76.11% | 74.15% | -76 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.66% | 0.34% | 1.36% | 2.95% | 5.78% | 4.24% | 6.19% | 6.18% | +323 bps | |
| Loan Growth (YoY) | -4.59% | -8.14% | -3.39% | 5.35% | 6.81% | 10.71% | 6.46% | 2.74% | -261 bps | |
| Share Growth (YoY) | -7.03% | -0.52% | 0.23% | 2.05% | 5.21% | 3.16% | 5.59% | 5.64% | +359 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.67% | 0.96% | 0.81% | 1.67% | 1.79% | 0.74% | 0.49% | -33 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 | 8.57% | 8.43% | 8.35% | 8.53% | 8.81% | 9.30% | 9.10% | 9.27% | +73 bps | |
| Net Worth / Assets | 8.57% | 8.43% | 8.35% | 8.53% | 8.81% | 9.30% | 9.10% | 9.27% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.39% | 55.04% | 56.67% | 59.18% | 60.29% | 59.06% | 57.14% | 57.56% | -163 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |