Monroe, NY · Charter 23700
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.55% | 1.23% | 1.54% | 0.84% | 0.17% | 0.05% | 0.26% | -127 bps | |
| Return on Equity | 10.37% | 12.81% | 10.25% | 12.60% | 7.00% | 1.41% | 0.45% | 2.23% | -1,037 bps | |
| Net Interest Margin | 3.86% | 3.84% | 4.13% | 4.22% | 4.09% | 4.09% | 3.84% | 3.84% | -38 bps | |
| Efficiency Ratio | 64.42% | 59.54% | 61.47% | 60.72% | 59.09% | 59.51% | 66.42% | 67.10% | +638 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.54% | 12.42% | 13.73% | 9.01% | 15.30% | 11.52% | 12.52% | 10.22% | +121 bps | |
| Loan Growth (YoY) | 14.09% | 5.32% | 1.50% | 0.94% | -1.64% | 0.63% | 4.97% | 1.98% | +104 bps | |
| Share Growth (YoY) | 12.61% | 12.48% | 13.50% | 8.22% | 15.26% | 11.67% | 13.35% | 10.77% | +255 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 0.26% | 0.75% | 0.65% | 0.11% | 0.19% | 0.80% | 0.94% | +29 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 | 12.04% | 12.14% | 11.96% | 12.20% | 11.97% | 11.95% | 11.46% | 11.86% | -34 bps | |
| Net Worth / Assets | 12.04% | 12.14% | 11.96% | 12.20% | 11.97% | 11.95% | 11.46% | 11.86% | -34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.58% | 94.28% | 90.90% | 91.65% | 84.13% | 84.97% | 84.18% | 84.38% | -727 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |