Malone, NY · Charter 21026
NCUA · 4 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 | 0.69% | 0.76% | 0.63% | 0.78% | 0.64% | 0.70% | 0.65% | 0.70% | -8 bps | |
| Return on Equity | 5.68% | 6.03% | 5.13% | 6.43% | 5.52% | 5.89% | 5.60% | 5.97% | -46 bps | |
| Net Interest Margin | 3.61% | 3.78% | 3.92% | 3.87% | 3.74% | 3.88% | 3.87% | 4.04% | +17 bps | |
| Efficiency Ratio | 81.76% | 80.15% | 77.72% | 78.98% | 80.25% | 81.22% | 86.06% | 83.93% | +495 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.01% | 10.34% | 9.41% | 10.50% | 11.13% | 12.71% | 12.38% | 10.42% | -8 bps | |
| Loan Growth (YoY) | 7.05% | 5.50% | 25.24% | 19.05% | 38.46% | 39.28% | 24.89% | 30.45% | +1,140 bps | |
| Share Growth (YoY) | 11.86% | 10.92% | 8.16% | 9.55% | 12.35% | 11.33% | 12.01% | 10.06% | +51 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.79% | 0.68% | 0.58% | 0.61% | 0.42% | 0.81% | 0.34% | 0.25% | -35 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 | 12.21% | 12.67% | 12.28% | 12.17% | 11.68% | 11.94% | 11.62% | 11.70% | -47 bps | |
| Net Worth / Assets | 12.21% | 12.67% | 12.28% | 12.17% | 11.68% | 11.94% | 11.62% | 11.70% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.56% | 53.66% | 59.70% | 58.53% | 67.24% | 67.13% | 66.56% | 69.37% | +1,084 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |