PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mohawk Valley

Marcy, NY · Charter 20823

NCUA · 2 branches

Q2 2026

$61.9MAssets
$26.8MLoans
$53.8MShares
$8.0MNet 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 1.20%, up 18 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 0.86% of loans (+16 bps YoY).
  • Capital: net worth / assets of 12.95%, up 27 bps from a year ago.
  • Funding: loans stand at 49.89% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.20%+18 bps YoY

Net Interest Margin (YTD, annualized)

3.56%+22 bps YoY

Efficiency Ratio (YTD, annualized)

66.07%-410 bps YoY

Net Worth / Assets

12.95%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%1.24%1.34%1.08%1.20%+18 bps
Return on Equity8.00%9.70%10.68%8.44%9.24%+124 bps
Net Interest Margin3.34%3.36%3.35%3.32%3.56%+22 bps
Efficiency Ratio70.17%64.67%62.25%68.28%66.07%-410 bps
Growth
Asset Growth (YoY)14.54%15.55%17.31%14.07%10.34%-420 bps
Loan Growth (YoY)-1.78%2.35%4.78%5.63%3.71%+549 bps
Share Growth (YoY)16.02%16.27%18.18%14.43%9.94%-608 bps
Asset Quality
Delinquent Loans / Loans0.70%0.47%0.38%0.74%0.86%+16 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 Capital12.68%12.83%12.59%12.75%12.95%+27 bps
Net Worth / Assets12.68%12.83%12.59%12.75%12.95%+27 bps
Liquidity & Funding
Loans / Shares52.89%53.07%50.10%50.17%49.89%-300 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps