Buffalo, NY · Charter 21355
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | 0.53% | -0.55% | 0.24% | -0.36% | 0.00% | -0.31% | -0.82% | -106 bps | |
| Return on Equity | 4.31% | 4.55% | -5.02% | 2.15% | -3.19% | 0.01% | -2.76% | -7.54% | -969 bps | |
| Net Interest Margin | 3.30% | 3.36% | 2.21% | 2.84% | 3.20% | 3.44% | 3.47% | 3.45% | +61 bps | |
| Efficiency Ratio | 79.39% | 79.46% | 124.46% | 91.63% | 88.56% | 83.88% | 108.83% | 81.61% | -1,002 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.83% | -6.34% | -3.82% | 2.60% | -2.55% | -0.85% | -3.54% | -1.42% | -402 bps | |
| Loan Growth (YoY) | 39.80% | 26.87% | 0.13% | -5.74% | -3.43% | -11.11% | -8.41% | -19.90% | -1,415 bps | |
| Share Growth (YoY) | -5.90% | -7.97% | -4.96% | 2.33% | -3.12% | -1.11% | -4.17% | -1.05% | -338 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.57% | 0.66% | 3.88% | 4.83% | 3.58% | 6.18% | 6.47% | 4.62% | -21 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 | 2.47% | 2.45% | 2.48% | 2.38% | 3.54% | 3.80% | 3.15% | 6.40% | +402 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.02% | 11.70% | 10.92% | 11.20% | 11.19% | 11.80% | 11.39% | 10.83% | -37 bps | |
| Net Worth / Assets | 11.02% | 11.70% | 10.92% | 11.20% | 11.19% | 11.80% | 11.39% | 10.83% | -37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 26.41% | 28.25% | 26.06% | 26.87% | 26.33% | 25.40% | 24.91% | 21.75% | -512 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |