Ilion, NY · Charter 2008
NCUA · 1 branch
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 | 0.83% | 0.88% | 1.04% | 1.04% | 1.30% | 1.25% | 1.53% | 1.37% | +33 bps | |
| Return on Equity | 5.94% | 6.15% | 7.40% | 7.38% | 8.89% | 8.45% | 10.29% | 9.10% | +171 bps | |
| Net Interest Margin | 2.79% | 2.88% | 2.93% | 2.96% | 3.12% | 3.21% | 3.41% | 3.43% | +47 bps | |
| Efficiency Ratio | 74.58% | 74.12% | 71.55% | 71.12% | 66.79% | 67.36% | 65.50% | 68.45% | -267 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.76% | 1.11% | 0.62% | 3.02% | 3.70% | 5.35% | 3.98% | 3.52% | +50 bps | |
| Loan Growth (YoY) | 5.08% | 6.37% | 2.59% | 1.58% | 3.55% | 0.08% | 2.19% | 0.12% | -146 bps | |
| Share Growth (YoY) | 1.32% | 0.51% | -0.38% | 2.64% | 2.79% | 4.83% | 2.99% | 2.62% | -2 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.22% | 0.29% | 0.24% | 0.06% | 0.91% | 0.88% | 0.09% | 0.76% | +70 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 | 13.93% | 14.28% | 14.07% | 14.16% | 14.65% | 14.80% | 14.89% | 15.07% | +91 bps | |
| Net Worth / Assets | 13.93% | 14.28% | 14.07% | 14.16% | 14.65% | 14.80% | 14.89% | 15.07% | +91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.09% | 46.74% | 44.23% | 44.41% | 45.42% | 44.62% | 43.89% | 43.33% | -108 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |