PackageTrendsPeer
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Greece Community

Rochester, NY · Charter 24274

NCUA · 2 branches

Q2 2026

$13.0MAssets
$6.6MLoans
$11.4MShares
$1.6MNet 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 0.90%, down 58 bps year over year; NIM at 4.24%.
  • Asset quality: problem loans at 0.05% of loans (-8 bps YoY).
  • Capital: net worth / assets of 12.28%, up 75 bps from a year ago.
  • Funding: loans stand at 57.90% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.90%-58 bps YoY

Net Interest Margin (quarter, annualized)

4.24%-42 bps YoY

Efficiency Ratio (quarter, annualized)

80.63%+994 bps YoY

Net Worth / Assets

12.28%+75 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.49%1.59%1.35%0.78%0.90%-58 bps
Return on Equity12.89%12.53%10.91%6.43%7.35%-554 bps
Net Interest Margin4.66%5.07%4.83%4.25%4.24%-42 bps
Efficiency Ratio70.69%71.26%72.05%83.30%80.63%+994 bps
Growth
Asset Growth (YoY)4.27%7.31%0.31%1.28%2.33%-194 bps
Loan Growth (YoY)-9.09%-7.17%-8.49%-10.70%-13.65%-456 bps
Share Growth (YoY)3.43%7.66%-1.20%0.14%1.42%-202 bps
Asset Quality
Delinquent Loans / Loans0.13%0.68%0.98%0.82%0.05%-8 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 Capital11.53%12.67%12.40%12.08%12.28%+75 bps
Net Worth / Assets11.53%12.67%12.40%12.08%12.28%+75 bps
Liquidity & Funding
Loans / Shares68.01%71.67%65.82%59.43%57.90%-1,010 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps