Massena, NY · Charter 15672
NCUA · 9 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 | 0.89% | 0.95% | 1.16% | 1.36% | 1.58% | 1.51% | 1.43% | 1.42% | +7 bps | |
| Return on Equity | 5.80% | 5.99% | 7.10% | 8.04% | 8.93% | 8.51% | 8.04% | 7.92% | -12 bps | |
| Net Interest Margin | 3.12% | 3.21% | 3.59% | 3.71% | 3.85% | 3.84% | 3.87% | 3.85% | +15 bps | |
| Efficiency Ratio | 75.36% | 74.47% | 71.81% | 69.00% | 66.89% | 67.72% | 69.26% | 69.59% | +58 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.24% | -2.87% | -4.41% | -4.77% | -5.07% | -2.54% | 0.61% | 2.22% | +699 bps | |
| Loan Growth (YoY) | -0.26% | -2.03% | -2.89% | -1.66% | -0.75% | 0.44% | 1.58% | 3.55% | +521 bps | |
| Share Growth (YoY) | -2.80% | -1.12% | -3.28% | -4.83% | -5.07% | -4.34% | 0.24% | 2.30% | +713 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.63% | 0.77% | 0.74% | 0.76% | 0.68% | 0.85% | 0.56% | 0.63% | -12 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 | 15.42% | 15.85% | 16.33% | 16.86% | 17.66% | 17.72% | 17.73% | 17.96% | +110 bps | |
| Net Worth / Assets | 15.42% | 15.85% | 16.33% | 16.86% | 17.66% | 17.72% | 17.73% | 17.96% | +110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.84% | 65.96% | 65.96% | 67.22% | 69.88% | 69.25% | 66.85% | 68.04% | +82 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |