PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Money

Syracuse, NY · Charter 22566

NCUA · 1 branch

Q2 2026

$51.3MAssets
$21.6MLoans
$45.1MShares
$7.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.43%, up 7 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 0.29% of loans (-79 bps YoY).
  • Capital: net worth / assets of 13.78%, up 63 bps from a year ago.
  • Funding: loans stand at 47.93% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.43%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.01%+44 bps YoY

Efficiency Ratio (YTD, annualized)

87.40%+151 bps YoY

Net Worth / Assets

13.78%+63 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%0.39%0.44%0.36%0.43%+7 bps
Return on Equity2.67%2.94%3.23%2.72%3.09%+42 bps
Net Interest Margin2.57%2.67%2.75%2.85%3.01%+44 bps
Efficiency Ratio85.89%84.48%83.54%88.70%87.40%+151 bps
Growth
Asset Growth (YoY)1.04%-0.67%-0.10%-2.29%-1.21%-225 bps
Loan Growth (YoY)-7.58%-3.88%-5.86%-4.09%-2.03%+556 bps
Share Growth (YoY)-1.28%-2.08%-1.91%-4.84%-3.28%-200 bps
Asset Quality
Delinquent Loans / Loans1.08%0.58%0.25%0.29%0.29%-79 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.14%13.36%13.63%13.35%13.78%+63 bps
Net Worth / Assets13.14%13.36%13.63%13.35%13.78%+63 bps
Liquidity & Funding
Loans / Shares47.32%48.70%48.50%46.30%47.93%+61 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps