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Stewart's

Saratoga Spring, NY · Charter 24036

NCUA · 1 branch

Q2 2026

$47.3MAssets
$18.9MLoans
$42.8MShares
$4.2MNet 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 0.87%, down 53 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.81% of loans (+25 bps YoY).
  • Capital: net worth / assets of 8.87%, up 116 bps from a year ago.
  • Funding: loans stand at 44.09% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.87%-53 bps YoY

Net Interest Margin (quarter, annualized)

3.34%+37 bps YoY

Efficiency Ratio (quarter, annualized)

62.28%+1,098 bps YoY

Net Worth / Assets

8.87%+116 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.39%1.53%1.71%0.81%0.87%-53 bps
Return on Equity18.08%18.87%20.69%8.86%9.80%-828 bps
Net Interest Margin2.98%3.09%3.08%3.54%3.34%+37 bps
Efficiency Ratio51.31%49.76%48.46%64.74%62.28%+1,098 bps
Growth
Asset Growth (YoY)7.81%10.50%2.13%-9.85%3.40%-441 bps
Loan Growth (YoY)14.41%17.94%16.77%14.37%12.30%-211 bps
Share Growth (YoY)6.34%9.93%0.56%-12.65%1.89%-446 bps
Asset Quality
Delinquent Loans / Loans0.56%0.76%0.68%0.66%0.81%+25 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 Capital7.71%8.12%8.28%9.13%8.87%+116 bps
Net Worth / Assets7.71%8.12%8.28%9.13%8.87%+116 bps
Liquidity & Funding
Loans / Shares40.00%42.37%42.21%45.58%44.09%+409 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps