Rome, NY · Charter 1810
NCUA · 1 branch
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 | 0.88% | 0.91% | 0.26% | 0.59% | 0.85% | 0.71% | 0.16% | 0.58% | -1 bps | |
| Return on Equity | 8.01% | 8.21% | 2.36% | 5.46% | 7.66% | 6.45% | 1.47% | 5.45% | -1 bps | |
| Net Interest Margin | 3.71% | 3.66% | 3.50% | 3.52% | 3.69% | 3.71% | 3.71% | 3.62% | +10 bps | |
| Efficiency Ratio | 75.69% | 75.80% | 84.97% | 78.90% | 76.43% | 75.39% | 82.91% | 78.34% | -56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.39% | 12.01% | 11.75% | 14.19% | 8.15% | 7.13% | 7.04% | 8.04% | -615 bps | |
| Loan Growth (YoY) | -3.82% | -4.66% | -1.94% | 1.39% | 0.89% | -0.64% | -3.33% | -5.53% | -692 bps | |
| Share Growth (YoY) | 10.74% | 12.62% | 12.94% | 15.49% | 8.20% | 7.30% | 6.86% | 8.15% | -735 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.18% | 2.51% | 3.29% | 4.24% | 3.52% | 3.21% | 2.30% | 1.91% | -232 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 | 11.05% | 11.09% | 10.94% | 10.83% | 11.08% | 11.05% | 10.88% | 10.70% | -13 bps | |
| Net Worth / Assets | 11.05% | 11.09% | 10.94% | 10.83% | 11.08% | 11.05% | 10.88% | 10.70% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.98% | 59.29% | 57.81% | 57.97% | 56.86% | 54.90% | 52.30% | 50.64% | -733 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |