PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Leatherstocking Region

Cooperstown, NY · Charter 22625

NCUA · 1 branch

Q2 2026

$107.7MAssets
$63.9MLoans
$94.6MShares
$13.0MNet Worth

Executive Summary

  • Earnings: ROA of 1.31%, down 32 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 0.68% of loans (-37 bps YoY).
  • Capital: net worth / assets of 12.06%, down 13 bps from a year ago.
  • Funding: loans stand at 67.53% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.31%-32 bps YoY

Net Interest Margin (YTD, annualized)

3.81%-25 bps YoY

Efficiency Ratio (YTD, annualized)

63.53%+422 bps YoY

Net Worth / Assets

12.06%-13 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.80%1.59%1.33%1.63%1.60%1.44%1.07%1.31%-32 bps
Return on Equity14.35%12.98%11.05%13.35%13.08%11.88%9.19%10.89%-247 bps
Net Interest Margin4.25%4.13%4.06%4.07%4.03%3.98%3.76%3.81%-25 bps
Efficiency Ratio55.70%59.54%63.56%59.31%58.94%62.00%65.81%63.53%+422 bps
Growth
Asset Growth (YoY)15.00%20.21%20.02%14.66%14.98%13.32%15.38%12.14%-253 bps
Loan Growth (YoY)7.76%2.69%5.29%9.78%13.16%13.97%11.39%3.22%-656 bps
Share Growth (YoY)14.74%21.11%20.88%14.74%15.14%13.16%15.70%12.16%-257 bps
Asset Quality
Delinquent Loans / Loans1.22%1.57%1.26%1.05%1.17%0.99%0.75%0.68%-37 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 Capital12.51%12.22%12.05%12.19%12.23%12.12%11.68%12.06%-13 bps
Net Worth / Assets12.51%12.22%12.05%12.19%12.23%12.12%11.68%12.06%-13 bps
Liquidity & Funding
Loans / Shares74.73%70.18%68.71%73.38%73.44%70.68%66.14%67.53%-585 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps