Lancaster, NY · Charter 20547
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | 0.41% | 0.36% | 0.34% | -1.15% | -150 bps | |
| Return on Equity | 3.61% | 4.22% | 3.53% | 3.33% | -11.92% | -1,553 bps | |
| Net Interest Margin | 3.88% | 3.97% | 4.25% | 4.27% | 4.45% | +57 bps | |
| Efficiency Ratio | 91.13% | 87.92% | 89.34% | 90.35% | 90.60% | -54 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.20% | 1.03% | 3.58% | -0.20% | -3.46% | -367 bps | |
| Loan Growth (YoY) | -2.32% | -12.42% | -13.39% | -5.97% | -13.16% | -1,084 bps | |
| Share Growth (YoY) | -0.10% | 0.78% | 3.57% | -0.66% | -3.42% | -332 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.10% | 3.57% | 3.75% | 3.73% | 0.74% | -335 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.93% | 0.45% | 0.84% | 1.11% | 0.24% | -69 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.67% | 9.69% | 10.17% | 10.18% | 9.62% | -5 bps | |
| Net Worth / Assets | 9.67% | 9.69% | 10.17% | 10.18% | 9.62% | -5 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.83% | 37.40% | 37.46% | 39.21% | 37.61% | -422 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |