PackageTrendsPeer
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Pittsford

Pittsford, NY · Charter 19085

NCUA · 2 branches

Q2 2026

$542.3MAssets
$355.6MLoans
$476.0MShares
$64.6MNet 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 0.77%, up 16 bps year over year; NIM at 2.71%.
  • Asset quality: problem loans at 0.55% of loans (+44 bps YoY).
  • Capital: net worth / assets of 11.91%, up 44 bps from a year ago.
  • Funding: loans stand at 74.71% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.77%+16 bps YoY

Net Interest Margin (YTD, annualized)

2.71%+20 bps YoY

Efficiency Ratio (YTD, annualized)

74.35%-883 bps YoY

Net Worth / Assets

11.91%+44 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%0.56%0.45%0.62%0.77%+16 bps
Return on Equity5.35%4.78%3.91%5.31%6.48%+113 bps
Net Interest Margin2.51%2.57%2.54%2.62%2.71%+20 bps
Efficiency Ratio83.18%84.50%87.02%78.42%74.35%-883 bps
Growth
Asset Growth (YoY)1.22%3.11%2.56%1.94%0.84%-39 bps
Loan Growth (YoY)-3.97%-2.49%-2.84%-2.59%-1.45%+252 bps
Share Growth (YoY)0.77%2.93%2.39%1.69%0.33%-44 bps
Asset Quality
Delinquent Loans / Loans0.12%0.21%0.25%0.12%0.55%+44 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 Capital11.48%11.66%11.52%11.63%11.91%+44 bps
Net Worth / Assets11.48%11.66%11.52%11.63%11.91%+44 bps
Liquidity & Funding
Loans / Shares76.06%76.19%73.85%73.36%74.71%-135 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps