Syracuse, NY · Charter 23865
NCUA · 3 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 | 1.30% | 2.30% | 11.58% | 6.81% | 4.99% | 3.65% | 7.68% | 3.22% | -359 bps | |
| Return on Equity | 15.78% | 24.06% | 104.02% | 57.94% | 41.28% | 32.02% | 60.93% | 22.79% | -3,516 bps | |
| Net Interest Margin | 4.69% | 4.73% | 4.97% | 4.83% | 5.04% | 4.70% | 4.86% | 4.79% | -4 bps | |
| Efficiency Ratio | 82.32% | 75.69% | 42.21% | 53.09% | 59.53% | 63.75% | 49.88% | 68.51% | +1,542 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.88% | 1.79% | 5.14% | 3.43% | 4.37% | 13.01% | 6.00% | 7.28% | +386 bps | |
| Loan Growth (YoY) | 11.39% | 12.14% | 9.05% | 5.68% | 6.72% | 7.04% | 10.44% | 16.03% | +1,035 bps | |
| Share Growth (YoY) | 15.76% | 5.22% | 3.80% | 3.83% | 5.93% | 16.21% | 9.94% | 8.53% | +470 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.40% | 7.34% | 6.14% | 6.49% | 6.00% | 5.19% | 5.69% | 5.24% | -126 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 | 8.23% | 9.55% | 11.14% | 11.75% | 12.08% | 11.41% | 12.61% | 14.12% | +237 bps | |
| Net Worth / Assets | 8.23% | 9.55% | 11.14% | 11.75% | 12.08% | 11.41% | 12.61% | 14.12% | +237 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.38% | 102.23% | 92.79% | 95.09% | 100.12% | 94.15% | 93.21% | 101.67% | +657 bps | |
| Liquid Assets / Assets | 0.00% | 99.59% | 0.00% | 0.00% | 99.89% | 0.00% | 0.00% | 0.00% | 0 bps | |