Ithaca, NY · Charter 22962
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 | -0.15% | -0.24% | 0.34% | 0.94% | 0.64% | +79 bps | |
| Return on Equity | -1.44% | -2.42% | 3.31% | 9.06% | 6.28% | +773 bps | |
| Net Interest Margin | 5.14% | 4.97% | 5.08% | 4.77% | 5.16% | +2 bps | |
| Efficiency Ratio | 87.40% | 93.97% | 86.67% | 82.71% | 89.02% | +162 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.08% | 5.55% | 4.29% | 6.33% | 0.28% | -480 bps | |
| Loan Growth (YoY) | -9.38% | -7.90% | -12.00% | -11.19% | -14.57% | -519 bps | |
| Share Growth (YoY) | 6.12% | 6.60% | 4.44% | 6.66% | 0.36% | -577 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.59% | 1.09% | 1.81% | 7.72% | 5.70% | +511 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 | 10.15% | 9.84% | 10.35% | 10.41% | 10.21% | +6 bps | |
| Net Worth / Assets | 10.15% | 9.84% | 10.35% | 10.41% | 10.21% | +6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.86% | 38.75% | 36.64% | 35.54% | 34.78% | -608 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |