PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Rome

Rome, NY · Charter 1810

NCUA · 1 branch

Q2 2026

$33.5MAssets
$15.1MLoans
$29.9MShares
$3.6MNet 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 0.58%, down 1 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 1.91% of loans (-232 bps YoY).
  • Capital: net worth / assets of 10.70%, down 13 bps from a year ago.
  • Funding: loans stand at 50.64% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.58%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.62%+10 bps YoY

Efficiency Ratio (YTD, annualized)

78.34%-56 bps YoY

Net Worth / Assets

10.70%-13 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.59%0.85%0.71%0.16%0.58%-1 bps
Return on Equity5.46%7.66%6.45%1.47%5.45%-1 bps
Net Interest Margin3.52%3.69%3.71%3.71%3.62%+10 bps
Efficiency Ratio78.90%76.43%75.39%82.91%78.34%-56 bps
Growth
Asset Growth (YoY)14.19%8.15%7.13%7.04%8.04%-615 bps
Loan Growth (YoY)1.39%0.89%-0.64%-3.33%-5.53%-692 bps
Share Growth (YoY)15.49%8.20%7.30%6.86%8.15%-735 bps
Asset Quality
Delinquent Loans / Loans4.24%3.52%3.21%2.30%1.91%-232 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 Capital10.83%11.08%11.05%10.88%10.70%-13 bps
Net Worth / Assets10.83%11.08%11.05%10.88%10.70%-13 bps
Liquidity & Funding
Loans / Shares57.97%56.86%54.90%52.30%50.64%-733 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps