PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Tonawanda Valley

Batavia, NY · Charter 22167

NCUA · 1 branch

Q2 2026

$170.7MAssets
$85.5MLoans
$151.1MShares
$18.9MNet Worth

Executive Summary

  • Earnings: ROA of 1.42%, up 18 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 0.19% of loans (+14 bps YoY).
  • Capital: net worth / assets of 11.09%, up 76 bps from a year ago.
  • Funding: loans stand at 56.56% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.42%+18 bps YoY

Net Interest Margin (quarter, annualized)

3.74%+12 bps YoY

Efficiency Ratio (quarter, annualized)

67.22%-376 bps YoY

Net Worth / Assets

11.09%+76 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.15%1.22%0.98%1.24%1.40%1.37%1.23%1.42%+18 bps
Return on Equity11.58%11.99%9.62%12.00%12.85%12.62%11.25%12.78%+78 bps
Net Interest Margin3.32%3.38%3.52%3.62%3.79%3.70%3.68%3.74%+12 bps
Efficiency Ratio72.15%70.50%76.50%70.98%68.93%68.78%70.32%67.22%-376 bps
Growth
Asset Growth (YoY)-1.15%0.99%1.79%2.69%3.88%7.32%6.35%6.60%+391 bps
Loan Growth (YoY)6.99%2.58%2.77%3.48%2.29%2.90%-0.01%-2.79%-627 bps
Share Growth (YoY)-2.06%0.17%1.09%1.86%2.75%6.46%5.38%5.70%+384 bps
Asset Quality
Delinquent Loans / Loans0.04%0.07%0.06%0.05%0.04%0.07%0.17%0.19%+14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.90%10.21%10.14%10.33%10.89%10.85%10.91%11.09%+76 bps
Net Worth / Assets9.90%10.21%10.14%10.33%10.89%10.85%10.91%11.09%+76 bps
Liquidity & Funding
Loans / Shares63.74%63.71%61.71%61.50%63.46%61.58%58.55%56.56%-494 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps