Geneva, NY · Charter 18022
NCUA · 4 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 | 1.73% | 1.86% | 2.11% | 2.00% | 2.03% | 2.01% | 1.83% | 1.76% | -24 bps | |
| Return on Equity | 13.75% | 14.24% | 15.90% | 15.03% | 14.60% | 13.95% | 12.55% | 12.06% | -298 bps | |
| Net Interest Margin | 3.91% | 3.95% | 3.96% | 3.92% | 4.06% | 4.13% | 4.09% | 4.05% | +13 bps | |
| Efficiency Ratio | 65.54% | 63.13% | 57.78% | 58.71% | 59.93% | 61.65% | 63.97% | 65.13% | +642 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.19% | 0.07% | 2.29% | 5.21% | 5.49% | 4.99% | 4.94% | 3.78% | -143 bps | |
| Loan Growth (YoY) | -4.57% | -7.13% | -6.68% | -1.90% | -2.24% | 0.23% | 0.64% | -0.27% | +163 bps | |
| Share Growth (YoY) | -4.08% | -2.53% | -0.60% | 2.41% | 2.99% | 2.84% | 3.01% | 2.71% | +30 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.26% | 0.10% | 0.10% | 0.19% | 0.11% | 0.12% | 0.10% | 0 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 | 12.55% | 13.03% | 13.29% | 13.31% | 13.92% | 14.38% | 14.54% | 14.62% | +131 bps | |
| Net Worth / Assets | 12.55% | 13.03% | 13.29% | 13.31% | 13.92% | 14.38% | 14.54% | 14.62% | +131 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.97% | 77.07% | 74.82% | 74.15% | 74.96% | 75.12% | 73.10% | 72.00% | -215 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |