Oswego, NY · Charter 17665
NCUA · 8 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 | 0.71% | 0.84% | 0.57% | 1.19% | 0.96% | 0.93% | 2.33% | 1.22% | +3 bps | |
| Return on Equity | 4.74% | 5.36% | 3.88% | 8.00% | 6.51% | 6.34% | 15.28% | 8.00% | 0 bps | |
| Net Interest Margin | 3.64% | 3.81% | 3.53% | 3.71% | 3.66% | 3.71% | 4.04% | 4.06% | +35 bps | |
| Efficiency Ratio | 78.14% | 77.33% | 80.83% | 68.50% | 74.03% | 74.82% | 52.17% | 73.96% | +546 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.59% | 5.20% | 8.22% | 9.12% | 8.75% | 13.25% | 4.07% | 5.27% | -385 bps | |
| Loan Growth (YoY) | -0.72% | -1.02% | -1.57% | 0.62% | 4.81% | 3.47% | 2.86% | 0.39% | -23 bps | |
| Share Growth (YoY) | 3.39% | 5.78% | 8.34% | 9.46% | 9.63% | 14.80% | 4.52% | 5.37% | -409 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 0.50% | 0.46% | 0.50% | 0.72% | 0.75% | 0.59% | 0.46% | -4 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 | 14.89% | 15.62% | 14.78% | 14.93% | 14.67% | 14.73% | 15.25% | 15.28% | +35 bps | |
| Net Worth / Assets | 14.89% | 15.62% | 14.78% | 14.93% | 14.67% | 14.73% | 15.25% | 15.28% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.21% | 71.54% | 65.95% | 65.89% | 65.21% | 64.48% | 64.91% | 62.78% | -311 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |