Buffalo, NY · Charter 15021
NCUA · 5 branches
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 | 0.34% | 0.34% | 0.31% | 0.31% | 0.31% | 0.31% | 0.32% | 0.35% | +4 bps | |
| Return on Equity | 2.95% | 2.91% | 2.58% | 2.56% | 2.60% | 2.56% | 2.60% | 2.76% | +20 bps | |
| Net Interest Margin | 2.33% | 2.39% | 2.43% | 2.47% | 2.48% | 2.49% | 2.67% | 2.73% | +26 bps | |
| Efficiency Ratio | 70.89% | 72.33% | 82.51% | 79.98% | 81.23% | 82.54% | 78.52% | 79.42% | -56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.29% | 2.49% | 1.68% | -0.50% | -1.72% | 0.28% | -2.23% | -3.43% | -293 bps | |
| Loan Growth (YoY) | 4.15% | 1.45% | -0.03% | 0.88% | 2.49% | 1.55% | 2.84% | -1.76% | -264 bps | |
| Share Growth (YoY) | 7.11% | 2.65% | 1.68% | -0.86% | -2.28% | -0.02% | -2.97% | -4.34% | -348 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.90% | 0.88% | 0.85% | 1.05% | 1.58% | 2.01% | 0.79% | 0.89% | -16 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 | 11.55% | 11.84% | 11.92% | 12.04% | 12.07% | 12.12% | 12.51% | 12.80% | +77 bps | |
| Net Worth / Assets | 11.55% | 11.84% | 11.92% | 12.04% | 12.07% | 12.12% | 12.51% | 12.80% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.51% | 52.63% | 51.59% | 52.82% | 54.03% | 53.46% | 54.68% | 54.25% | +143 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |