Saranac Lake, NY · Charter 23198
NCUA · 2 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 | 1.97% | 1.98% | 1.89% | 1.97% | 1.94% | 1.95% | 1.00% | 1.48% | -50 bps | |
| Return on Equity | 17.46% | 16.45% | 15.55% | 15.78% | 14.65% | 14.31% | 7.57% | 10.91% | -488 bps | |
| Net Interest Margin | 4.39% | 4.51% | 4.31% | 4.34% | 4.49% | 4.51% | 4.25% | 4.30% | -4 bps | |
| Efficiency Ratio | 61.47% | 62.87% | 63.44% | 61.38% | 63.49% | 63.61% | 68.68% | 65.45% | +407 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.23% | -0.83% | 2.34% | 3.45% | -0.42% | 3.24% | 5.36% | 5.12% | +167 bps | |
| Loan Growth (YoY) | 0.52% | 0.94% | -0.75% | -2.33% | -7.17% | -4.89% | -2.40% | -2.34% | -1 bps | |
| Share Growth (YoY) | -2.03% | -2.96% | 0.66% | 1.92% | -2.44% | 1.66% | 4.21% | 4.33% | +241 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.21% | 1.30% | 0.42% | 0.42% | 0.78% | 0.30% | 0.03% | -38 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 | 11.29% | 12.02% | 12.15% | 12.51% | 13.25% | 13.60% | 13.19% | 13.54% | +103 bps | |
| Net Worth / Assets | 11.29% | 12.02% | 12.15% | 12.51% | 13.25% | 13.60% | 13.19% | 13.54% | +103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.25% | 55.91% | 51.61% | 52.89% | 52.57% | 52.30% | 48.34% | 49.51% | -338 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |