Rochester, NY · Charter 16236
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 | 0.36% | 0.71% | 0.55% | 0.54% | 0.51% | +16 bps | |
| Return on Equity | 5.13% | 9.77% | 7.36% | 7.35% | 6.68% | +155 bps | |
| Net Interest Margin | 3.27% | 3.49% | 3.53% | 3.75% | 3.94% | +67 bps | |
| Efficiency Ratio | 84.15% | 82.29% | 82.94% | 82.16% | 85.40% | +126 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.40% | 0.74% | 1.51% | 2.31% | -1.84% | -145 bps | |
| Loan Growth (YoY) | 7.25% | 4.45% | 2.96% | 4.86% | 10.02% | +277 bps | |
| Share Growth (YoY) | -1.64% | -0.32% | 1.01% | 1.93% | -1.77% | -12 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.43% | 0.35% | 0.73% | 0.25% | 0.24% | -19 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 | 6.95% | 7.31% | 7.41% | 7.33% | 7.68% | +73 bps | |
| Net Worth / Assets | 6.95% | 7.31% | 7.41% | 7.33% | 7.68% | +73 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.93% | 49.22% | 46.83% | 44.81% | 49.20% | +527 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |