Blasdell, NY · Charter 18800
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.09% | 2.04% | 1.76% | 1.80% | 1.82% | 1.74% | 1.52% | 1.62% | -18 bps | |
| Return on Equity | 9.31% | 8.96% | 7.70% | 7.77% | 7.70% | 7.28% | 6.37% | 6.78% | -99 bps | |
| Net Interest Margin | 3.51% | 3.49% | 3.14% | 3.20% | 3.23% | 3.21% | 3.11% | 3.16% | -4 bps | |
| Efficiency Ratio | 43.58% | 44.37% | 47.48% | 46.93% | 48.97% | 50.38% | 52.54% | 50.30% | +337 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.49% | 4.41% | 3.70% | 2.86% | 2.84% | 2.83% | 3.34% | 3.83% | +96 bps | |
| Loan Growth (YoY) | 18.69% | 16.10% | 11.95% | 12.83% | 8.76% | 6.71% | 8.25% | 7.31% | -552 bps | |
| Share Growth (YoY) | 2.89% | 2.87% | 2.03% | 1.11% | 1.15% | 1.28% | 2.10% | 2.82% | +172 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.07% | 0.41% | 0.22% | 0.20% | 0.36% | 0.22% | 0.12% | -10 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 | 22.47% | 22.82% | 22.89% | 23.15% | 23.69% | 23.93% | 23.80% | 23.92% | +77 bps | |
| Net Worth / Assets | 22.47% | 22.82% | 22.89% | 23.15% | 23.69% | 23.93% | 23.80% | 23.92% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.09% | 52.98% | 52.72% | 53.52% | 54.94% | 55.83% | 55.90% | 55.85% | +234 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |