Ithaca, NY · Charter 23283
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 | 0.40% | 0.21% | -0.09% | -0.19% | -1.02% | -1.14% | -1.19% | -1.01% | -82 bps | |
| Return on Equity | 3.49% | 1.88% | -0.79% | -1.71% | -9.78% | -11.42% | -12.23% | -11.44% | -973 bps | |
| Net Interest Margin | 3.84% | 3.92% | 3.84% | 3.96% | 4.07% | 4.15% | 4.35% | 4.37% | +40 bps | |
| Efficiency Ratio | 84.39% | 90.50% | 101.86% | 100.65% | 97.47% | 96.43% | 93.71% | 93.67% | -699 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.02% | 10.43% | 14.83% | -0.52% | 0.01% | -1.46% | -4.07% | -3.57% | -305 bps | |
| Loan Growth (YoY) | 9.67% | 8.04% | 6.92% | -8.05% | -8.26% | 0.08% | 0.61% | 6.63% | +1,468 bps | |
| Share Growth (YoY) | 7.80% | 10.40% | 15.47% | -0.65% | 1.11% | 0.88% | -2.30% | -2.32% | -166 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.02% | 5.12% | 3.94% | 5.95% | 5.63% | 6.03% | 3.72% | 4.71% | -123 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 | 11.52% | 11.21% | 11.02% | 11.04% | 10.44% | 9.95% | 9.76% | 8.83% | -222 bps | |
| Net Worth / Assets | 11.52% | 11.21% | 11.02% | 11.04% | 10.44% | 9.95% | 9.76% | 8.83% | -222 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.85% | 65.01% | 62.07% | 61.79% | 59.74% | 64.50% | 63.92% | 67.45% | +566 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |