New Hartford, NY · Charter 22931
NCUA · 9 branches
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 | 1.14% | 1.41% | 1.37% | 0.85% | 1.11% | -4 bps | |
| Return on Equity | 10.16% | 12.22% | 11.84% | 7.42% | 9.46% | -70 bps | |
| Net Interest Margin | 3.26% | 3.28% | 3.25% | 3.33% | 3.40% | +14 bps | |
| Efficiency Ratio | 72.66% | 68.28% | 68.35% | 77.73% | 73.25% | +59 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.16% | 10.05% | 10.83% | 9.30% | 8.52% | -164 bps | |
| Loan Growth (YoY) | 7.92% | 9.54% | 8.03% | 5.50% | 6.78% | -115 bps | |
| Share Growth (YoY) | 10.03% | 9.83% | 10.62% | 9.16% | 8.15% | -188 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.40% | 0.44% | 0.47% | 0.44% | 0.39% | -2 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 | 11.24% | 11.52% | 11.54% | 11.51% | 11.70% | +47 bps | |
| Net Worth / Assets | 11.24% | 11.52% | 11.54% | 11.51% | 11.70% | +47 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.36% | 60.97% | 59.80% | 58.04% | 59.59% | -77 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |