Lockport, NY · Charter 17372
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 | 0.91% | 0.94% | 0.79% | 1.26% | 1.35% | +44 bps | |
| Return on Equity | 10.81% | 10.42% | 9.49% | 14.72% | 14.82% | +401 bps | |
| Net Interest Margin | 3.66% | 3.93% | 3.66% | 3.87% | 4.05% | +39 bps | |
| Efficiency Ratio | 75.68% | 75.18% | 75.22% | 66.87% | 67.93% | -775 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.26% | -4.53% | 7.28% | 6.97% | 3.39% | +865 bps | |
| Loan Growth (YoY) | -1.47% | -0.22% | -4.19% | -4.29% | -6.59% | -511 bps | |
| Share Growth (YoY) | -6.44% | -5.79% | 7.01% | 6.57% | 2.55% | +899 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.67% | 0.38% | 0.61% | 0.02% | 0.39% | -28 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 | 8.39% | 9.01% | 8.32% | 8.59% | 9.10% | +72 bps | |
| Net Worth / Assets | 8.39% | 9.01% | 8.32% | 8.59% | 9.10% | +72 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.85% | 73.20% | 64.01% | 62.49% | 62.72% | -614 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |