Pittsford, NY · Charter 19085
NCUA · 2 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 | 0.38% | 0.37% | 0.56% | 0.61% | 0.56% | 0.45% | 0.62% | 0.77% | +16 bps | |
| Return on Equity | 3.26% | 3.29% | 4.90% | 5.35% | 4.78% | 3.91% | 5.31% | 6.48% | +113 bps | |
| Net Interest Margin | 2.25% | 2.26% | 2.49% | 2.51% | 2.57% | 2.54% | 2.62% | 2.71% | +20 bps | |
| Efficiency Ratio | 86.08% | 86.00% | 87.94% | 83.18% | 84.50% | 87.02% | 78.42% | 74.35% | -883 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.29% | -0.03% | -0.29% | 1.22% | 3.11% | 2.56% | 1.94% | 0.84% | -39 bps | |
| Loan Growth (YoY) | -7.30% | -6.20% | -5.09% | -3.97% | -2.49% | -2.84% | -2.59% | -1.45% | +252 bps | |
| Share Growth (YoY) | -0.01% | -0.44% | -0.88% | 0.77% | 2.93% | 2.39% | 1.69% | 0.33% | -44 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.38% | 0.07% | 0.12% | 0.21% | 0.25% | 0.12% | 0.55% | +44 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 | 11.49% | 11.35% | 11.38% | 11.48% | 11.66% | 11.52% | 11.63% | 11.91% | +44 bps | |
| Net Worth / Assets | 11.49% | 11.35% | 11.38% | 11.48% | 11.66% | 11.52% | 11.63% | 11.91% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.43% | 77.82% | 76.58% | 76.06% | 76.19% | 73.85% | 73.36% | 74.71% | -135 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |