Oswego, NY · Charter 21927
NCUA · 5 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 | 1.17% | 1.12% | 0.76% | 1.02% | 1.27% | 1.24% | 1.12% | 1.24% | +22 bps | |
| Return on Equity | 10.22% | 9.82% | 6.81% | 8.90% | 10.62% | 10.38% | 9.54% | 10.26% | +136 bps | |
| Net Interest Margin | 4.80% | 4.84% | 4.56% | 4.77% | 4.84% | 4.82% | 4.69% | 4.78% | +2 bps | |
| Efficiency Ratio | 77.93% | 77.85% | 88.15% | 83.36% | 79.66% | 79.89% | 74.89% | 77.84% | -552 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.03% | 8.31% | 7.22% | 5.56% | 5.52% | 6.41% | 6.27% | 5.82% | +26 bps | |
| Loan Growth (YoY) | 3.95% | 1.04% | -0.10% | -0.50% | -1.59% | -1.16% | -1.70% | 0.82% | +132 bps | |
| Share Growth (YoY) | 5.62% | 9.09% | 7.85% | 5.89% | 4.75% | 5.16% | 5.38% | 4.83% | -106 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.66% | 0.99% | 0.86% | 1.62% | 0.99% | 2.30% | 2.28% | 2.06% | +44 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 | 11.42% | 11.42% | 11.21% | 11.43% | 11.95% | 11.91% | 11.77% | 12.07% | +63 bps | |
| Net Worth / Assets | 11.42% | 11.42% | 11.21% | 11.43% | 11.95% | 11.91% | 11.77% | 12.07% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.73% | 85.69% | 82.10% | 81.78% | 82.42% | 80.54% | 76.58% | 78.65% | -312 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |