Geneseo, NY · Charter 21658
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 | 2.55% | 2.46% | 2.23% | 2.64% | 2.64% | 2.52% | 2.01% | 1.95% | -69 bps | |
| Return on Equity | 17.13% | 16.42% | 14.88% | 17.24% | 16.57% | 15.60% | 12.42% | 11.76% | -548 bps | |
| Net Interest Margin | 4.23% | 4.09% | 4.02% | 4.50% | 4.06% | 4.02% | 3.91% | 3.78% | -72 bps | |
| Efficiency Ratio | 52.19% | 52.04% | 52.28% | 48.25% | 48.92% | 50.09% | 56.44% | 56.83% | +858 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.14% | 9.16% | 10.70% | 10.11% | 10.90% | 9.43% | 8.20% | 5.79% | -433 bps | |
| Loan Growth (YoY) | -4.55% | -5.08% | -5.93% | -5.62% | -7.73% | -8.55% | -9.66% | -11.45% | -582 bps | |
| Share Growth (YoY) | 3.14% | 7.89% | 9.95% | 9.04% | 9.67% | 7.83% | 6.55% | 4.10% | -495 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.18% | 0.16% | 0.15% | 0.07% | 0.11% | 0.04% | 0.19% | +4 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 | 14.90% | 15.01% | 14.96% | 15.34% | 15.90% | 16.17% | 16.20% | 16.60% | +126 bps | |
| Net Worth / Assets | 14.90% | 15.01% | 14.96% | 15.34% | 15.90% | 16.17% | 16.20% | 16.60% | +126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.12% | 65.03% | 60.65% | 58.92% | 57.31% | 55.15% | 51.42% | 50.13% | -880 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |