Johnson City, NY · Charter 21586
NCUA · 3 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 | 0.46% | 0.66% | -0.52% | 0.75% | -0.01% | 0.24% | 2.11% | 1.38% | +63 bps | |
| Return on Equity | 4.63% | 6.34% | -4.83% | 6.98% | -0.14% | 2.32% | 19.69% | 12.97% | +599 bps | |
| Net Interest Margin | 4.29% | 4.19% | 3.98% | 4.26% | 4.30% | 4.23% | 3.98% | 3.95% | -31 bps | |
| Efficiency Ratio | 76.69% | 77.75% | 78.58% | 81.06% | 81.29% | 85.85% | 82.25% | 91.19% | +1,013 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.50% | 5.21% | 5.28% | 1.98% | 2.23% | 1.52% | 0.56% | 6.88% | +491 bps | |
| Loan Growth (YoY) | -6.13% | -8.54% | -9.48% | -9.48% | -9.71% | -12.87% | -10.21% | -11.91% | -243 bps | |
| Share Growth (YoY) | -1.37% | 5.12% | 4.03% | 0.96% | 2.13% | 1.44% | 0.57% | 6.84% | +588 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.00% | 1.38% | 1.00% | 0.98% | 0.71% | 0.19% | 0.20% | 1.05% | +6 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 | 1.79% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.04% | 10.36% | 10.76% | 10.77% | 10.37% | 10.42% | 10.73% | 10.66% | -11 bps | |
| Net Worth / Assets | 10.04% | 10.36% | 10.76% | 10.77% | 10.37% | 10.42% | 10.73% | 10.66% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.85% | 68.26% | 62.99% | 64.99% | 62.63% | 58.63% | 56.24% | 53.59% | -1,140 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |