West Seneca, NY · Charter 16042
NCUA · 1 branch
Q2 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.44% | 1.59% | 1.63% | 1.21% | 1.07% | -37 bps | |
| Return on Equity | 13.66% | 14.47% | 14.35% | 10.86% | 9.33% | -434 bps | |
| Net Interest Margin | 3.70% | 3.81% | 3.78% | 3.62% | 3.68% | -3 bps | |
| Efficiency Ratio | 69.25% | 66.26% | 66.16% | 71.50% | 72.96% | +371 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.48% | 6.23% | 6.08% | 6.42% | 5.01% | -248 bps | |
| Loan Growth (YoY) | -5.28% | -8.52% | -5.37% | -5.34% | -6.52% | -124 bps | |
| Share Growth (YoY) | 6.56% | 5.05% | 4.86% | 5.41% | 3.96% | -260 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.44% | 0.71% | 0.70% | 0.46% | 0.33% | -11 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 | 10.57% | 11.01% | 11.35% | 11.18% | 11.47% | +90 bps | |
| Net Worth / Assets | 10.57% | 11.01% | 11.35% | 11.18% | 11.47% | +90 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.25% | 61.21% | 62.10% | 56.18% | 58.67% | -658 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |