Sodus, NY · Charter 20258
NCUA · 10 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 | 0.56% | 0.60% | 0.73% | 0.85% | 0.86% | 0.84% | 0.90% | 0.90% | +6 bps | |
| Return on Equity | 5.96% | 6.33% | 7.78% | 8.93% | 8.84% | 8.69% | 9.39% | 9.45% | +51 bps | |
| Net Interest Margin | 3.90% | 3.97% | 4.20% | 4.23% | 4.34% | 4.30% | 4.30% | 4.25% | +2 bps | |
| Efficiency Ratio | 86.62% | 85.17% | 83.46% | 81.33% | 80.09% | 79.42% | 80.50% | 80.31% | -102 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.58% | 5.30% | 5.43% | 5.00% | 4.75% | 7.13% | 7.05% | 8.53% | +353 bps | |
| Loan Growth (YoY) | 8.76% | 8.31% | 9.25% | 9.89% | 8.33% | 7.58% | 5.86% | 4.93% | -497 bps | |
| Share Growth (YoY) | 4.47% | 5.11% | 4.74% | 4.45% | 4.25% | 6.71% | 6.68% | 8.32% | +387 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 0.43% | 0.30% | 0.36% | 0.45% | 0.41% | 0.36% | 0.36% | 0 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 | 9.35% | 9.48% | 9.37% | 9.47% | 9.74% | 9.68% | 9.62% | 9.57% | +10 bps | |
| Net Worth / Assets | 9.35% | 9.48% | 9.37% | 9.47% | 9.74% | 9.68% | 9.62% | 9.57% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.92% | 78.60% | 77.42% | 78.97% | 79.93% | 79.24% | 76.82% | 76.49% | -247 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |