PackageTrendsPeer
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Brockport

Brockport, NY · Charter 20013

NCUA · 1 branch

Q2 2026

$15.4MAssets
$6.8MLoans
$14.5MShares
$677KNet 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 -1.75%, down 90 bps year over year; NIM at 4.27%.
  • Asset quality: problem loans at 3.05% of loans (-28 bps YoY).
  • Capital: net worth / assets of 4.40%, down 245 bps from a year ago.
  • Funding: loans stand at 47.06% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-1.75%-90 bps YoY

Net Interest Margin (YTD, annualized)

4.27%-47 bps YoY

Efficiency Ratio (YTD, annualized)

95.59%+938 bps YoY

Net Worth / Assets

4.40%-245 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.84%-1.10%-0.93%0.34%-1.75%-90 bps
Return on Equity-12.31%-18.99%-17.69%6.42%-39.68%-2,738 bps
Net Interest Margin4.74%4.92%4.54%4.20%4.27%-47 bps
Efficiency Ratio86.22%98.83%98.96%93.75%95.59%+938 bps
Growth
Asset Growth (YoY)-4.06%-7.72%-1.35%-0.60%1.82%+588 bps
Loan Growth (YoY)-12.29%-13.28%-11.48%-10.22%-10.06%+223 bps
Share Growth (YoY)-2.31%-6.27%-2.25%5.11%3.43%+574 bps
Asset Quality
Delinquent Loans / Loans3.33%2.08%3.12%4.42%3.05%-28 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 Capital6.85%5.77%5.24%5.30%4.40%-245 bps
Net Worth / Assets6.85%5.77%5.24%5.30%4.40%-245 bps
Liquidity & Funding
Loans / Shares54.12%55.01%51.38%48.45%47.06%-706 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps