Syracuse, NY · Charter 22566
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | 0.07% | 0.16% | 0.35% | 0.39% | 0.44% | 0.36% | 0.43% | +7 bps | |
| Return on Equity | 0.17% | 0.50% | 1.30% | 2.67% | 2.94% | 3.23% | 2.72% | 3.09% | +42 bps | |
| Net Interest Margin | 2.19% | 2.24% | 2.37% | 2.57% | 2.67% | 2.75% | 2.85% | 3.01% | +44 bps | |
| Efficiency Ratio | 96.42% | 95.31% | 89.42% | 85.89% | 84.48% | 83.54% | 88.70% | 87.40% | +151 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.28% | 5.03% | 5.40% | 1.04% | -0.67% | -0.10% | -2.29% | -1.21% | -225 bps | |
| Loan Growth (YoY) | -9.22% | -5.69% | -7.58% | -7.58% | -3.88% | -5.86% | -4.09% | -2.03% | +556 bps | |
| Share Growth (YoY) | 2.82% | 2.10% | 4.29% | -1.28% | -2.08% | -1.91% | -4.84% | -3.28% | -200 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.14% | 0.75% | 1.25% | 1.08% | 0.58% | 0.25% | 0.29% | 0.29% | -79 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.93% | 13.18% | 12.58% | 13.14% | 13.36% | 13.63% | 13.35% | 13.78% | +63 bps | |
| Net Worth / Assets | 12.93% | 13.18% | 12.58% | 13.14% | 13.36% | 13.63% | 13.35% | 13.78% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.62% | 50.53% | 45.94% | 47.32% | 48.70% | 48.50% | 46.30% | 47.93% | +61 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |