Kingston, NY · Charter 15766
NCUA · 14 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 | 0.56% | 0.49% | 0.27% | 0.45% | 0.51% | 0.54% | 0.41% | 0.71% | +26 bps | |
| Return on Equity | 5.55% | 4.96% | 2.76% | 4.73% | 5.21% | 5.49% | 4.23% | 7.18% | +245 bps | |
| Net Interest Margin | 3.24% | 3.15% | 3.06% | 3.17% | 3.31% | 3.32% | 3.54% | 3.58% | +41 bps | |
| Efficiency Ratio | 79.01% | 79.56% | 85.52% | 81.27% | 79.92% | 79.70% | 80.91% | 78.71% | -256 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.48% | 8.59% | 10.83% | 9.79% | 7.32% | 5.94% | 4.49% | 3.95% | -583 bps | |
| Loan Growth (YoY) | 3.25% | 2.59% | 2.19% | 3.60% | 4.48% | 4.90% | 5.45% | 10.17% | +657 bps | |
| Share Growth (YoY) | 5.04% | 8.32% | 10.90% | 9.85% | 7.57% | 5.60% | 4.32% | 3.74% | -612 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 0.38% | 0.32% | 0.44% | 0.56% | 0.54% | 0.51% | 0.36% | -8 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 | 10.08% | 9.83% | 9.62% | 9.59% | 9.84% | 9.81% | 9.76% | 9.87% | +28 bps | |
| Net Worth / Assets | 10.08% | 9.83% | 9.62% | 9.59% | 9.84% | 9.81% | 9.76% | 9.87% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.06% | 73.52% | 71.27% | 71.18% | 72.90% | 73.04% | 72.04% | 75.59% | +441 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |