PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Ufirst

Plattsburgh, NY · Charter 20613

NCUA · 3 branches

Q2 2026

$128.6MAssets
$102.8MLoans
$113.5MShares
$19.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.51%, down 71 bps year over year; NIM at 5.24%.
  • Asset quality: problem loans at 0.92% of loans (-7 bps YoY).
  • Capital: net worth / assets of 15.41%, up 191 bps from a year ago.
  • Funding: loans stand at 90.52% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.51%-71 bps YoY

Net Interest Margin (YTD, annualized)

5.24%+62 bps YoY

Efficiency Ratio (YTD, annualized)

83.19%+660 bps YoY

Net Worth / Assets

15.41%+191 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.21%1.53%1.36%-0.27%0.51%-71 bps
Return on Equity8.99%10.10%9.05%-1.73%3.28%-570 bps
Net Interest Margin4.62%5.08%5.06%5.04%5.24%+62 bps
Efficiency Ratio76.59%73.65%73.58%95.53%83.19%+660 bps
Growth
Asset Growth (YoY)5.94%-3.06%0.38%-9.12%-6.85%-1,279 bps
Loan Growth (YoY)-4.16%-1.98%2.92%0.54%6.48%+1,064 bps
Share Growth (YoY)4.96%-3.04%-1.96%-11.90%-9.67%-1,463 bps
Asset Quality
Delinquent Loans / Loans0.99%0.80%0.83%0.71%0.92%-7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.50%15.11%14.98%15.41%15.41%+191 bps
Net Worth / Assets13.50%15.11%14.98%15.41%15.41%+191 bps
Liquidity & Funding
Loans / Shares76.79%86.35%87.44%90.87%90.52%+1,373 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps