Camillus, NY · Charter 15386
NCUA · 3 branches
Q1 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.72% | 0.66% | 0.59% | 0.52% | 0.13% | -59 bps | |
| Return on Equity | 7.15% | 6.57% | 5.59% | 5.03% | 1.24% | -590 bps | |
| Net Interest Margin | 3.31% | 3.32% | 3.53% | 3.49% | 3.67% | +36 bps | |
| Efficiency Ratio | 79.99% | 81.76% | 83.03% | 85.73% | 92.71% | +1,273 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.44% | -3.57% | -5.60% | 0.42% | 1.03% | +546 bps | |
| Loan Growth (YoY) | -14.77% | -16.75% | -13.84% | -16.06% | -17.98% | -320 bps | |
| Share Growth (YoY) | -5.09% | -4.65% | -6.68% | -0.03% | 0.67% | +576 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.64% | 0.50% | 0.05% | 0.51% | 0.08% | -157 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.10% | 10.07% | 10.54% | 10.29% | 10.37% | +27 bps | |
| Net Worth / Assets | 10.10% | 10.07% | 10.54% | 10.29% | 10.37% | +27 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.81% | 33.90% | 34.76% | 32.16% | 29.99% | -682 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |