Saratoga Spring, NY · Charter 24036
NCUA · 1 branch
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 | 1.20% | 1.14% | 0.82% | 1.39% | 1.53% | 1.71% | 0.81% | 0.87% | -53 bps | |
| Return on Equity | 16.22% | 16.47% | 12.26% | 18.08% | 18.87% | 20.69% | 8.86% | 9.80% | -828 bps | |
| Net Interest Margin | 2.63% | 2.43% | 2.54% | 2.98% | 3.09% | 3.08% | 3.54% | 3.34% | +37 bps | |
| Efficiency Ratio | 61.27% | 59.50% | 56.22% | 51.31% | 49.76% | 48.46% | 64.74% | 62.28% | +1,098 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.93% | -10.13% | 16.68% | 7.81% | 10.50% | 2.13% | -9.85% | 3.40% | -441 bps | |
| Loan Growth (YoY) | 20.69% | 19.93% | 19.51% | 14.41% | 17.94% | 16.77% | 14.37% | 12.30% | -211 bps | |
| Share Growth (YoY) | -14.05% | -11.76% | 17.31% | 6.34% | 9.93% | 0.56% | -12.65% | 1.89% | -446 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.63% | 0.93% | 0.26% | 0.56% | 0.76% | 0.68% | 0.66% | 0.81% | +25 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 | 7.43% | 6.95% | 6.67% | 7.71% | 8.12% | 8.28% | 9.13% | 8.87% | +116 bps | |
| Net Worth / Assets | 7.43% | 6.95% | 6.67% | 7.71% | 8.12% | 8.28% | 9.13% | 8.87% | +116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.49% | 36.35% | 34.81% | 40.00% | 42.37% | 42.21% | 45.58% | 44.09% | +409 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |