Batavia, NY · Charter 22167
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.24% | 1.40% | 1.37% | 1.23% | 1.42% | +18 bps | |
| Return on Equity | 12.00% | 12.85% | 12.62% | 11.25% | 12.78% | +78 bps | |
| Net Interest Margin | 3.62% | 3.79% | 3.70% | 3.68% | 3.74% | +12 bps | |
| Efficiency Ratio | 70.98% | 68.93% | 68.78% | 70.32% | 67.22% | -376 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.69% | 3.88% | 7.32% | 6.35% | 6.60% | +391 bps | |
| Loan Growth (YoY) | 3.48% | 2.29% | 2.90% | -0.01% | -2.79% | -627 bps | |
| Share Growth (YoY) | 1.86% | 2.75% | 6.46% | 5.38% | 5.70% | +384 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.05% | 0.04% | 0.07% | 0.17% | 0.19% | +14 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.33% | 10.89% | 10.85% | 10.91% | 11.09% | +76 bps | |
| Net Worth / Assets | 10.33% | 10.89% | 10.85% | 10.91% | 11.09% | +76 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.50% | 63.46% | 61.58% | 58.55% | 56.56% | -494 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |