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Kaleida Health

Buffalo, NY · Charter 22220

NCUA · 2 branches

Q2 2026

$19.8MAssets
$12.0MLoans
$16.2MShares
$3.5MNet Worth

Executive Summary

  • Earnings: ROA of 1.16%, down 60 bps year over year; NIM at 4.37%.
  • Asset quality: problem loans at 0.10% of loans (+10 bps YoY).
  • Capital: net worth / assets of 17.69%, up 142 bps from a year ago.
  • Funding: loans stand at 74.06% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.16%-60 bps YoY

Net Interest Margin (YTD, annualized)

4.37%-7 bps YoY

Efficiency Ratio (YTD, annualized)

78.89%+1,216 bps YoY

Net Worth / Assets

17.69%+142 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.67%1.84%1.75%1.76%1.85%1.85%0.69%1.16%-60 bps
Return on Equity11.18%11.31%11.05%10.82%11.33%10.98%4.13%6.55%-427 bps
Net Interest Margin4.27%4.53%4.36%4.44%4.39%4.36%4.07%4.37%-7 bps
Efficiency Ratio67.56%67.11%65.80%66.73%65.45%65.51%83.17%78.89%+1,216 bps
Growth
Asset Growth (YoY)-4.05%-3.99%-2.02%0.71%3.11%8.04%4.26%0.76%+5 bps
Loan Growth (YoY)6.81%-2.88%-3.63%-2.49%-7.81%-8.34%-8.84%-7.16%-468 bps
Share Growth (YoY)-6.56%-6.83%-4.48%-1.44%1.30%7.24%3.04%-1.00%+44 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.13%0.13%0.00%0.10%+10 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 Capital14.97%16.24%15.86%16.27%16.33%16.84%16.74%17.69%+142 bps
Net Worth / Assets14.97%16.24%15.86%16.27%16.33%16.84%16.74%17.69%+142 bps
Liquidity & Funding
Loans / Shares81.94%85.09%79.59%78.98%74.57%72.73%70.42%74.06%-492 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps