PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Finger Lakes Health Care

Elmira, NY · Charter 21294

NCUA · 1 branch

Q2 2026

$35.3MAssets
$7.7MLoans
$29.7MShares
$5.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.61%, down 98 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 0.02% of loans (-14 bps YoY).
  • Capital: net worth / assets of 15.54%, down 8 bps from a year ago.
  • Funding: loans stand at 25.79% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.61%-98 bps YoY

Net Interest Margin (YTD, annualized)

3.38%-17 bps YoY

Efficiency Ratio (YTD, annualized)

85.26%+1,848 bps YoY

Net Worth / Assets

15.54%-8 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%0.86%1.90%1.59%1.55%1.32%0.58%0.61%-98 bps
Return on Equity5.95%5.66%12.49%10.18%9.78%8.41%3.77%3.95%-623 bps
Net Interest Margin3.18%3.46%3.49%3.55%3.57%3.52%3.42%3.38%-17 bps
Efficiency Ratio77.52%77.63%63.07%66.79%67.78%71.50%86.12%85.26%+1,848 bps
Growth
Asset Growth (YoY)-1.56%5.23%6.72%5.51%6.12%5.42%5.32%6.03%+52 bps
Loan Growth (YoY)-13.11%-14.22%-16.25%-16.73%-13.66%-2.61%-0.75%-4.08%+1,265 bps
Share Growth (YoY)-3.24%4.74%6.38%5.08%5.50%4.74%4.91%6.05%+97 bps
Asset Quality
Delinquent Loans / Loans0.06%0.00%0.05%0.16%0.00%0.01%0.00%0.02%-14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.44%15.15%15.23%15.62%15.90%15.64%15.49%15.54%-8 bps
Net Worth / Assets15.44%15.15%15.23%15.62%15.90%15.64%15.49%15.54%-8 bps
Liquidity & Funding
Loans / Shares34.47%31.88%28.88%28.51%28.21%29.65%27.32%25.79%-272 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps