Delevan, NY · Charter 21875
NCUA · 1 branch
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 | 1.52% | 1.18% | 1.17% | 1.31% | 1.25% | 1.00% | 1.42% | 0.95% | -37 bps | |
| Return on Equity | 7.53% | 5.74% | 5.70% | 6.47% | 5.86% | 4.65% | 6.67% | 4.45% | -201 bps | |
| Net Interest Margin | 4.30% | 4.27% | 3.94% | 4.14% | 4.50% | 4.62% | 4.73% | 4.28% | +15 bps | |
| Efficiency Ratio | 63.64% | 69.31% | 71.61% | 69.44% | 71.50% | 71.80% | 69.62% | 78.87% | +943 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.23% | -1.61% | 1.38% | 1.56% | -1.18% | 0.23% | 1.36% | -0.65% | -220 bps | |
| Loan Growth (YoY) | -8.01% | -11.73% | -7.78% | -4.82% | -4.25% | -5.62% | -7.02% | -7.73% | -291 bps | |
| Share Growth (YoY) | -5.35% | -3.52% | 0.42% | 0.54% | -2.85% | -0.98% | 0.39% | -1.81% | -235 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.38% | 1.19% | 1.09% | 1.42% | 2.59% | 1.67% | 0.91% | 1.54% | +12 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 | 0.28% | 0.17% | 0.21% | 0.28% | 0.42% | 0.44% | 0.55% | 0.62% | +34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.19% | 20.60% | 20.49% | 20.32% | 21.40% | 21.55% | 21.25% | 21.23% | +91 bps | |
| Net Worth / Assets | 20.19% | 20.60% | 20.49% | 20.32% | 21.40% | 21.55% | 21.25% | 21.23% | +91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.56% | 89.60% | 87.76% | 83.91% | 87.29% | 85.41% | 81.27% | 78.85% | -506 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |