Lancaster, NY · Charter 20547
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | 0.04% | 0.20% | 0.35% | 0.41% | 0.36% | 0.34% | -1.15% | -150 bps | |
| Return on Equity | 0.39% | 0.40% | 2.08% | 3.61% | 4.22% | 3.53% | 3.33% | -11.92% | -1,553 bps | |
| Net Interest Margin | 3.48% | 3.84% | 3.77% | 3.88% | 3.97% | 4.25% | 4.27% | 4.45% | +57 bps | |
| Efficiency Ratio | 96.66% | 96.53% | 94.69% | 91.13% | 87.92% | 89.34% | 90.35% | 90.60% | -54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.39% | -1.38% | 0.86% | 0.20% | 1.03% | 3.58% | -0.20% | -3.46% | -367 bps | |
| Loan Growth (YoY) | -7.70% | -4.50% | -6.75% | -2.32% | -12.42% | -13.39% | -5.97% | -13.16% | -1,084 bps | |
| Share Growth (YoY) | 1.62% | -1.59% | 0.76% | -0.10% | 0.78% | 3.57% | -0.66% | -3.42% | -332 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 3.54% | 4.14% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.68% | 0.77% | 0.84% | 0.93% | 0.45% | 0.84% | 1.11% | 0.24% | -69 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.47% | 10.16% | 9.77% | 9.67% | 9.69% | 10.17% | 10.18% | 9.62% | -5 bps | |
| Net Worth / Assets | 9.47% | 10.16% | 9.77% | 9.67% | 9.69% | 10.17% | 10.18% | 9.62% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.04% | 44.79% | 41.42% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |