PackageTrendsPeer
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Genesee Valley

Geneseo, NY · Charter 21658

NCUA · 4 branches

Q2 2026

$175.9MAssets
$73.0MLoans
$145.6MShares
$29.2MNet 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 1.95%, down 69 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.19% of loans (+4 bps YoY).
  • Capital: net worth / assets of 16.60%, up 126 bps from a year ago.
  • Funding: loans stand at 50.13% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.95%-69 bps YoY

Net Interest Margin (quarter, annualized)

3.78%-72 bps YoY

Efficiency Ratio (quarter, annualized)

56.83%+858 bps YoY

Net Worth / Assets

16.60%+126 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.64%2.64%2.52%2.01%1.95%-69 bps
Return on Equity17.24%16.57%15.60%12.42%11.76%-548 bps
Net Interest Margin4.50%4.06%4.02%3.91%3.78%-72 bps
Efficiency Ratio48.25%48.92%50.09%56.44%56.83%+858 bps
Growth
Asset Growth (YoY)10.11%10.90%9.43%8.20%5.79%-433 bps
Loan Growth (YoY)-5.62%-7.73%-8.55%-9.66%-11.45%-582 bps
Share Growth (YoY)9.04%9.67%7.83%6.55%4.10%-495 bps
Asset Quality
Delinquent Loans / Loans0.15%0.07%0.11%0.04%0.19%+4 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 Capital15.34%15.90%16.17%16.20%16.60%+126 bps
Net Worth / Assets15.34%15.90%16.17%16.20%16.60%+126 bps
Liquidity & Funding
Loans / Shares58.92%57.31%55.15%51.42%50.13%-880 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps