PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Morton Lane

Buffalo, NY · Charter 15021

NCUA · 5 branches

Q2 2026

$62.8MAssets
$29.7MLoans
$54.7MShares
$8.0MNet 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 0.35%, up 4 bps year over year; NIM at 2.73%.
  • Asset quality: problem loans at 0.89% of loans (-16 bps YoY).
  • Capital: net worth / assets of 12.80%, up 77 bps from a year ago.
  • Funding: loans stand at 54.25% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.35%+4 bps YoY

Net Interest Margin (YTD, annualized)

2.73%+26 bps YoY

Efficiency Ratio (YTD, annualized)

79.42%-56 bps YoY

Net Worth / Assets

12.80%+77 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.31%0.31%0.31%0.32%0.35%+4 bps
Return on Equity2.56%2.60%2.56%2.60%2.76%+20 bps
Net Interest Margin2.47%2.48%2.49%2.67%2.73%+26 bps
Efficiency Ratio79.98%81.23%82.54%78.52%79.42%-56 bps
Growth
Asset Growth (YoY)-0.50%-1.72%0.28%-2.23%-3.43%-293 bps
Loan Growth (YoY)0.88%2.49%1.55%2.84%-1.76%-264 bps
Share Growth (YoY)-0.86%-2.28%-0.02%-2.97%-4.34%-348 bps
Asset Quality
Delinquent Loans / Loans1.05%1.58%2.01%0.79%0.89%-16 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 Capital12.04%12.07%12.12%12.51%12.80%+77 bps
Net Worth / Assets12.04%12.07%12.12%12.51%12.80%+77 bps
Liquidity & Funding
Loans / Shares52.82%54.03%53.46%54.68%54.25%+143 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps