PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Trunorthern

Malone, NY · Charter 21026

NCUA · 4 branches

Q2 2026

$111.7MAssets
$69.9MLoans
$100.8MShares
$13.1MNet 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 0.70%, down 8 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 0.25% of loans (-35 bps YoY).
  • Capital: net worth / assets of 11.70%, down 47 bps from a year ago.
  • Funding: loans stand at 69.37% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.70%-8 bps YoY

Net Interest Margin (YTD, annualized)

4.04%+17 bps YoY

Efficiency Ratio (YTD, annualized)

83.93%+495 bps YoY

Net Worth / Assets

11.70%-47 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.78%0.64%0.70%0.65%0.70%-8 bps
Return on Equity6.43%5.52%5.89%5.60%5.97%-46 bps
Net Interest Margin3.87%3.74%3.88%3.87%4.04%+17 bps
Efficiency Ratio78.98%80.25%81.22%86.06%83.93%+495 bps
Growth
Asset Growth (YoY)10.50%11.13%12.71%12.38%10.42%-8 bps
Loan Growth (YoY)19.05%38.46%39.28%24.89%30.45%+1,140 bps
Share Growth (YoY)9.55%12.35%11.33%12.01%10.06%+51 bps
Asset Quality
Delinquent Loans / Loans0.61%0.42%0.81%0.34%0.25%-35 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 Capital12.17%11.68%11.94%11.62%11.70%-47 bps
Net Worth / Assets12.17%11.68%11.94%11.62%11.70%-47 bps
Liquidity & Funding
Loans / Shares58.53%67.24%67.13%66.56%69.37%+1,084 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps