PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Finger Lakes

Geneva, NY · Charter 18022

NCUA · 4 branches

Q2 2026

$259.5MAssets
$157.8MLoans
$219.2MShares
$37.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.76%, down 24 bps year over year; NIM at 4.05%.
  • Asset quality: problem loans at 0.10% of loans (0 bps YoY).
  • Capital: net worth / assets of 14.62%, up 131 bps from a year ago.
  • Funding: loans stand at 72.00% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.76%-24 bps YoY

Net Interest Margin (YTD, annualized)

4.05%+13 bps YoY

Efficiency Ratio (YTD, annualized)

65.13%+642 bps YoY

Net Worth / Assets

14.62%+131 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.00%2.03%2.01%1.83%1.76%-24 bps
Return on Equity15.03%14.60%13.95%12.55%12.06%-298 bps
Net Interest Margin3.92%4.06%4.13%4.09%4.05%+13 bps
Efficiency Ratio58.71%59.93%61.65%63.97%65.13%+642 bps
Growth
Asset Growth (YoY)5.21%5.49%4.99%4.94%3.78%-143 bps
Loan Growth (YoY)-1.90%-2.24%0.23%0.64%-0.27%+163 bps
Share Growth (YoY)2.41%2.99%2.84%3.01%2.71%+30 bps
Asset Quality
Delinquent Loans / Loans0.10%0.19%0.11%0.12%0.10%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.31%13.92%14.38%14.54%14.62%+131 bps
Net Worth / Assets13.31%13.92%14.38%14.54%14.62%+131 bps
Liquidity & Funding
Loans / Shares74.15%74.96%75.12%73.10%72.00%-215 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps