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Tri-Lakes

Saranac Lake, NY · Charter 23198

NCUA · 2 branches

Q2 2026

$28.7MAssets
$12.2MLoans
$24.6MShares
$3.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.48%, down 50 bps year over year; NIM at 4.30%.
  • Asset quality: problem loans at 0.03% of loans (-38 bps YoY).
  • Capital: net worth / assets of 13.54%, up 103 bps from a year ago.
  • Funding: loans stand at 49.51% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.48%-50 bps YoY

Net Interest Margin (YTD, annualized)

4.30%-4 bps YoY

Efficiency Ratio (YTD, annualized)

65.45%+407 bps YoY

Net Worth / Assets

13.54%+103 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.97%1.94%1.95%1.00%1.48%-50 bps
Return on Equity15.78%14.65%14.31%7.57%10.91%-488 bps
Net Interest Margin4.34%4.49%4.51%4.25%4.30%-4 bps
Efficiency Ratio61.38%63.49%63.61%68.68%65.45%+407 bps
Growth
Asset Growth (YoY)3.45%-0.42%3.24%5.36%5.12%+167 bps
Loan Growth (YoY)-2.33%-7.17%-4.89%-2.40%-2.34%-1 bps
Share Growth (YoY)1.92%-2.44%1.66%4.21%4.33%+241 bps
Asset Quality
Delinquent Loans / Loans0.42%0.42%0.78%0.30%0.03%-38 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.51%13.25%13.60%13.19%13.54%+103 bps
Net Worth / Assets12.51%13.25%13.60%13.19%13.54%+103 bps
Liquidity & Funding
Loans / Shares52.89%52.57%52.30%48.34%49.51%-338 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps