Marcy, NY · Charter 20823
NCUA · 2 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 | 1.15% | 1.01% | 0.92% | 1.01% | 1.24% | 1.34% | 1.08% | 1.20% | +18 bps | |
| Return on Equity | 8.47% | 7.59% | 7.10% | 8.00% | 9.70% | 10.68% | 8.44% | 9.24% | +124 bps | |
| Net Interest Margin | 3.32% | 3.13% | 3.31% | 3.34% | 3.36% | 3.35% | 3.32% | 3.56% | +22 bps | |
| Efficiency Ratio | 68.09% | 70.48% | 72.93% | 70.17% | 64.67% | 62.25% | 68.28% | 66.07% | -410 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.91% | 11.22% | 11.46% | 14.54% | 15.55% | 17.31% | 14.07% | 10.34% | -420 bps | |
| Loan Growth (YoY) | -1.54% | -4.98% | -4.80% | -1.78% | 2.35% | 4.78% | 5.63% | 3.71% | +549 bps | |
| Share Growth (YoY) | 5.24% | 11.90% | 12.90% | 16.02% | 16.27% | 18.18% | 14.43% | 9.94% | -608 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.98% | 0.98% | 0.71% | 0.70% | 0.47% | 0.38% | 0.74% | 0.86% | +16 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 | 13.58% | 13.26% | 13.01% | 12.68% | 12.83% | 12.59% | 12.75% | 12.95% | +27 bps | |
| Net Worth / Assets | 13.58% | 13.26% | 13.01% | 12.68% | 12.83% | 12.59% | 12.75% | 12.95% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.29% | 56.50% | 54.35% | 52.89% | 53.07% | 50.10% | 50.17% | 49.89% | -300 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |