Syracuse, NY · Charter 20496
NCUA · 7 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 | 0.45% | 0.46% | 0.32% | 0.33% | 0.31% | 0.29% | 0.19% | 0.41% | +8 bps | |
| Return on Equity | 5.92% | 5.93% | 4.30% | 4.51% | 4.14% | 3.95% | 2.65% | 5.61% | +110 bps | |
| Net Interest Margin | 3.11% | 3.11% | 2.98% | 2.98% | 3.03% | 3.01% | 2.94% | 3.00% | +2 bps | |
| Efficiency Ratio | 83.29% | 83.07% | 85.56% | 86.22% | 87.03% | 87.22% | 87.26% | 81.05% | -517 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.47% | 0.26% | 2.82% | 4.28% | 7.51% | 8.21% | 6.61% | 4.87% | +59 bps | |
| Loan Growth (YoY) | 4.53% | 0.02% | 0.79% | 2.77% | 2.90% | 4.07% | 1.65% | 0.38% | -238 bps | |
| Share Growth (YoY) | 0.42% | 0.30% | 2.70% | 4.24% | 7.73% | 8.92% | 7.38% | 5.35% | +111 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.07% | 1.23% | 0.87% | 1.17% | 1.16% | 0.89% | 0.88% | 0.93% | -24 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 | 7.67% | 7.74% | 7.52% | 7.38% | 7.48% | 7.44% | 7.32% | 7.37% | -1 bps | |
| Net Worth / Assets | 7.67% | 7.74% | 7.52% | 7.38% | 7.48% | 7.44% | 7.32% | 7.37% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.10% | 59.21% | 57.19% | 56.70% | 57.41% | 56.57% | 54.14% | 54.03% | -267 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |