Kingston, NY · Charter 21694
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 | 1.28% | 1.20% | 1.33% | 1.03% | 0.84% | 0.67% | 0.62% | 0.62% | -41 bps | |
| Return on Equity | 12.21% | 11.35% | 12.48% | 9.65% | 7.82% | 6.40% | 6.02% | 6.00% | -365 bps | |
| Net Interest Margin | 3.57% | 3.47% | 3.23% | 3.18% | 3.14% | 3.01% | 2.86% | 2.89% | -29 bps | |
| Efficiency Ratio | 69.36% | 70.95% | 79.17% | 80.67% | 81.48% | 82.41% | 85.19% | 83.51% | +284 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.78% | 0.49% | 4.01% | 3.70% | 6.56% | 8.84% | 8.49% | 8.50% | +480 bps | |
| Loan Growth (YoY) | -0.46% | -1.21% | -4.16% | -4.32% | -2.95% | -3.07% | -1.27% | 1.97% | +629 bps | |
| Share Growth (YoY) | -2.47% | -0.59% | 1.75% | 2.08% | 5.85% | 6.66% | 7.95% | 7.94% | +587 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.97% | 0.75% | 0.56% | 0.68% | 0.67% | 0.66% | 0.58% | 0.81% | +13 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 | 10.47% | 10.60% | 10.63% | 10.69% | 10.69% | 10.40% | 10.30% | 10.33% | -36 bps | |
| Net Worth / Assets | 10.47% | 10.60% | 10.63% | 10.69% | 10.69% | 10.40% | 10.30% | 10.33% | -36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.95% | 28.85% | 27.48% | 27.24% | 27.46% | 26.22% | 25.14% | 25.73% | -151 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |