PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Alternatives

Ithaca, NY · Charter 23283

NCUA · 2 branches

Q2 2026

$161.4MAssets
$97.5MLoans
$144.5MShares
$14.3MNet 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 -1.01%, down 82 bps year over year; NIM at 4.37%.
  • Asset quality: problem loans at 4.71% of loans (-123 bps YoY).
  • Capital: net worth / assets of 8.83%, down 222 bps from a year ago.
  • Funding: loans stand at 67.45% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-1.01%-82 bps YoY

Net Interest Margin (quarter, annualized)

4.37%+40 bps YoY

Efficiency Ratio (quarter, annualized)

93.67%-699 bps YoY

Net Worth / Assets

8.83%-222 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.19%-1.02%-1.14%-1.19%-1.01%-82 bps
Return on Equity-1.71%-9.78%-11.42%-12.23%-11.44%-973 bps
Net Interest Margin3.96%4.07%4.15%4.35%4.37%+40 bps
Efficiency Ratio100.65%97.47%96.43%93.71%93.67%-699 bps
Growth
Asset Growth (YoY)-0.52%0.01%-1.46%-4.07%-3.57%-305 bps
Loan Growth (YoY)-8.05%-8.26%0.08%0.61%6.63%+1,468 bps
Share Growth (YoY)-0.65%1.11%0.88%-2.30%-2.32%-166 bps
Asset Quality
Delinquent Loans / Loans5.95%5.63%6.03%3.72%4.71%-123 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 Capital11.04%10.44%9.95%9.76%8.83%-222 bps
Net Worth / Assets11.04%10.44%9.95%9.76%8.83%-222 bps
Liquidity & Funding
Loans / Shares61.79%59.74%64.50%63.92%67.45%+566 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps