Plattsburgh, NY · Charter 20613
NCUA · 3 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 | 0.94% | 1.01% | 0.71% | 1.21% | 1.53% | 1.36% | -0.27% | 0.51% | -71 bps | |
| Return on Equity | 7.07% | 7.37% | 5.44% | 8.99% | 10.10% | 9.05% | -1.73% | 3.28% | -570 bps | |
| Net Interest Margin | 4.19% | 4.36% | 4.51% | 4.62% | 5.08% | 5.06% | 5.04% | 5.24% | +62 bps | |
| Efficiency Ratio | 80.27% | 79.16% | 82.14% | 76.59% | 73.65% | 73.58% | 95.53% | 83.19% | +660 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.44% | -1.83% | 6.61% | 5.94% | -3.06% | 0.38% | -9.12% | -6.85% | -1,279 bps | |
| Loan Growth (YoY) | -0.39% | -2.14% | -0.97% | -4.16% | -1.98% | 2.92% | 0.54% | 6.48% | +1,064 bps | |
| Share Growth (YoY) | -0.83% | 1.47% | 4.98% | 4.96% | -3.04% | -1.96% | -11.90% | -9.67% | -1,463 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.34% | 0.72% | 0.87% | 0.99% | 0.80% | 0.83% | 0.71% | 0.92% | -7 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 | 13.30% | 13.73% | 13.02% | 13.50% | 15.11% | 14.98% | 15.41% | 15.41% | +191 bps | |
| Net Worth / Assets | 13.30% | 13.73% | 13.02% | 13.50% | 15.11% | 14.98% | 15.41% | 15.41% | +191 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.42% | 83.29% | 79.62% | 76.79% | 86.35% | 87.44% | 90.87% | 90.52% | +1,373 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |