Corning, NY · Charter 1644
NCUA · 21 branches
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 | 0.58% | 0.67% | 0.77% | 0.83% | 0.83% | +25 bps | |
| Return on Equity | 5.28% | 6.05% | 7.01% | 7.67% | 7.63% | +235 bps | |
| Net Interest Margin | 3.04% | 3.13% | 3.07% | 3.26% | 3.32% | +27 bps | |
| Efficiency Ratio | 75.30% | 74.19% | 71.88% | 69.85% | 70.74% | -456 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.89% | 6.80% | 9.43% | 7.68% | 10.27% | +338 bps | |
| Loan Growth (YoY) | 4.31% | 7.90% | 9.61% | 8.95% | 11.38% | +707 bps | |
| Share Growth (YoY) | 7.50% | 6.75% | 7.23% | 7.40% | 10.39% | +289 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.52% | 0.48% | 0.50% | 0.42% | 0.45% | -7 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 | 11.00% | 11.06% | 10.93% | 10.83% | 10.85% | -14 bps | |
| Net Worth / Assets | 11.00% | 11.06% | 10.93% | 10.83% | 10.85% | -14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.93% | 97.15% | 97.68% | 93.71% | 95.78% | +85 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |