Syracuse, NY · Charter 22972
NCUA · 1 branch
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 | 0.14% | 0.17% | 0.40% | 0.34% | 0.35% | 0.35% | 0.38% | 0.39% | +5 bps | |
| Return on Equity | 1.50% | 1.75% | 4.23% | 3.44% | 3.52% | 3.55% | 3.97% | 3.90% | +45 bps | |
| Net Interest Margin | 2.97% | 3.05% | 3.52% | 3.52% | 3.48% | 3.44% | 3.26% | 3.57% | +4 bps | |
| Efficiency Ratio | 94.78% | 94.20% | 87.30% | 87.07% | 86.57% | 87.01% | 87.61% | 88.64% | +157 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.68% | 0.81% | 3.53% | -1.99% | 0.28% | 3.55% | 4.31% | 1.57% | +357 bps | |
| Loan Growth (YoY) | 0.89% | -2.29% | -1.54% | -1.96% | -3.58% | -2.04% | -5.32% | -5.99% | -404 bps | |
| Share Growth (YoY) | 4.71% | 0.43% | 3.51% | -2.66% | 0.20% | 3.46% | 4.45% | 1.44% | +411 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.64% | 0.45% | 0.39% | 0.71% | 0.30% | 0.03% | 0.04% | 0.09% | -62 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 | 9.56% | 9.76% | 9.56% | 9.78% | 9.85% | 9.77% | 9.49% | 10.00% | +22 bps | |
| Net Worth / Assets | 9.56% | 9.76% | 9.56% | 9.78% | 9.85% | 9.77% | 9.49% | 10.00% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.00% | 38.44% | 36.96% | 38.32% | 36.57% | 36.39% | 33.50% | 35.51% | -281 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |