PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

CVPH Employees

Plattsburgh, NY · Charter 22195

NCUA · 2 branches

Q2 2026

$10.4MAssets
$7.4MLoans
$9.3MShares
$1.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.21%, down 51 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.04% of loans (-4 bps YoY).
  • Capital: net worth / assets of 10.77%, up 60 bps from a year ago.
  • Funding: loans stand at 79.47% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.21%-51 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+9 bps YoY

Efficiency Ratio (YTD, annualized)

92.78%+1,351 bps YoY

Net Worth / Assets

10.77%+60 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.57%0.74%0.73%0.65%0.54%0.21%0.21%-51 bps
Return on Equity7.08%5.49%7.18%7.17%6.09%4.94%1.93%1.99%-518 bps
Net Interest Margin3.60%3.64%3.44%3.44%3.68%3.76%3.45%3.53%+9 bps
Efficiency Ratio82.36%85.16%78.65%79.27%79.19%82.79%91.91%92.78%+1,351 bps
Growth
Asset Growth (YoY)-0.70%-1.32%2.35%2.74%1.75%0.23%-1.39%-3.27%-602 bps
Loan Growth (YoY)-3.24%-8.11%-8.18%-2.77%-2.53%3.51%1.82%1.93%+470 bps
Share Growth (YoY)-1.50%-2.00%2.14%2.49%1.33%-0.39%-2.06%-3.98%-648 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.06%0.08%0.00%0.00%0.06%0.04%-4 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 Capital10.36%10.44%10.25%10.17%10.69%10.96%10.79%10.77%+60 bps
Net Worth / Assets10.36%10.44%10.25%10.17%10.69%10.96%10.79%10.77%+60 bps
Liquidity & Funding
Loans / Shares78.61%74.52%74.22%74.86%75.62%77.44%77.16%79.47%+461 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps