New Hartford, NY · Charter 22931
NCUA · 9 branches
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 | 1.31% | 1.27% | 1.03% | 1.14% | 1.41% | 1.37% | 0.85% | 1.11% | -4 bps | |
| Return on Equity | 11.70% | 11.22% | 9.27% | 10.16% | 12.22% | 11.84% | 7.42% | 9.46% | -70 bps | |
| Net Interest Margin | 3.29% | 3.25% | 3.22% | 3.26% | 3.28% | 3.25% | 3.33% | 3.40% | +14 bps | |
| Efficiency Ratio | 67.52% | 68.65% | 74.48% | 72.66% | 68.28% | 68.35% | 77.73% | 73.25% | +59 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.06% | 8.11% | 9.31% | 10.16% | 10.05% | 10.83% | 9.30% | 8.52% | -164 bps | |
| Loan Growth (YoY) | 5.64% | 6.34% | 7.55% | 7.92% | 9.54% | 8.03% | 5.50% | 6.78% | -115 bps | |
| Share Growth (YoY) | 8.07% | 7.64% | 9.11% | 10.03% | 9.83% | 10.62% | 9.16% | 8.15% | -188 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.34% | 0.42% | 0.33% | 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 | 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 | 11.21% | 11.28% | 11.14% | 11.24% | 11.52% | 11.54% | 11.51% | 11.70% | +47 bps | |
| Net Worth / Assets | 11.21% | 11.28% | 11.14% | 11.24% | 11.52% | 11.54% | 11.51% | 11.70% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.13% | 61.24% | 60.05% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |