Rochester, NY · Charter 18649
NCUA · 3 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 | -0.20% | -0.37% | -0.53% | -0.46% | -0.55% | -0.49% | -1.58% | -0.85% | -39 bps | |
| Return on Equity | -1.79% | -3.37% | -5.01% | -4.49% | -5.33% | -4.66% | -16.35% | -8.88% | -438 bps | |
| Net Interest Margin | 3.24% | 3.18% | 2.97% | 2.95% | 3.13% | 3.27% | 3.32% | 3.30% | +35 bps | |
| Efficiency Ratio | 101.90% | 101.25% | 103.10% | 101.34% | 103.58% | 101.42% | 95.95% | 93.14% | -820 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.71% | 0.15% | -1.00% | 0.72% | 2.97% | -0.73% | 1.51% | -0.84% | -155 bps | |
| Loan Growth (YoY) | 2.21% | 1.66% | -1.33% | -0.68% | 1.41% | -1.66% | -2.17% | -3.60% | -292 bps | |
| Share Growth (YoY) | 0.10% | 3.53% | 2.00% | 3.87% | 3.67% | -1.12% | 1.79% | -0.43% | -429 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.79% | 1.10% | 1.25% | 1.42% | 1.61% | 2.07% | 2.26% | 2.51% | +109 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 | 11.31% | 10.87% | 10.57% | 10.13% | 10.32% | 10.43% | 9.64% | 9.53% | -61 bps | |
| Net Worth / Assets | 11.31% | 10.87% | 10.57% | 10.13% | 10.32% | 10.43% | 9.64% | 9.53% | -61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.24% | 62.09% | 60.25% | 59.04% | 62.83% | 61.75% | 57.90% | 57.16% | -188 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |