Fillmore, NY · Charter 22883
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.28% | 2.32% | 2.19% | 1.55% | 1.73% | -56 bps | |
| Return on Equity | 17.88% | 16.47% | 15.81% | 10.87% | 12.40% | -548 bps | |
| Net Interest Margin | 4.18% | 4.47% | 4.18% | 3.70% | 3.66% | -52 bps | |
| Efficiency Ratio | 52.71% | 54.44% | 54.24% | 61.14% | 58.63% | +592 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.02% | -1.82% | 5.48% | 2.21% | 6.17% | +216 bps | |
| Loan Growth (YoY) | 5.09% | 5.26% | 3.84% | 4.18% | 0.27% | -483 bps | |
| Share Growth (YoY) | 1.95% | -4.67% | 3.63% | 0.12% | 4.71% | +275 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.02% | 0.06% | 1.10% | 1.08% | 1.06% | +104 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.75% | 14.10% | 13.85% | 14.23% | 13.91% | +116 bps | |
| Net Worth / Assets | 12.75% | 14.10% | 13.85% | 14.23% | 13.91% | +116 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 32.85% | 35.56% | 32.28% | 32.64% | 31.45% | -139 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |