Rochester, NY · Charter 18090
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.25% | 0.34% | 0.31% | 0.31% | 0.35% | +9 bps | |
| Return on Equity | 2.56% | 3.43% | 3.20% | 3.20% | 3.52% | +97 bps | |
| Net Interest Margin | 2.72% | 2.75% | 2.81% | 2.93% | 3.12% | +40 bps | |
| Efficiency Ratio | 86.27% | 85.11% | 84.47% | 86.10% | 83.78% | -249 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.07% | 3.10% | 3.46% | 3.72% | 3.25% | +318 bps | |
| Loan Growth (YoY) | -3.23% | -3.83% | -4.06% | -2.89% | 0.63% | +386 bps | |
| Share Growth (YoY) | -0.29% | 3.06% | 3.44% | 3.78% | 3.20% | +349 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.89% | 1.24% | 1.78% | 1.34% | 2.54% | +165 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 | 9.92% | 9.91% | 9.82% | 9.71% | 9.87% | -4 bps | |
| Net Worth / Assets | 9.92% | 9.91% | 9.82% | 9.71% | 9.87% | -4 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.50% | 70.74% | 69.47% | 67.71% | 70.70% | -180 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |