Rochester, NY · Charter 24274
NCUA · 2 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 | 1.27% | 1.06% | 1.53% | 1.49% | 1.59% | 1.35% | 0.78% | 0.90% | -58 bps | |
| Return on Equity | 10.51% | 9.52% | 13.78% | 12.89% | 12.53% | 10.91% | 6.43% | 7.35% | -554 bps | |
| Net Interest Margin | 5.25% | 4.76% | 4.59% | 4.66% | 5.07% | 4.83% | 4.25% | 4.24% | -42 bps | |
| Efficiency Ratio | 68.59% | 69.86% | 69.21% | 70.69% | 71.26% | 72.05% | 83.30% | 80.63% | +994 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.12% | -2.68% | -2.09% | 4.27% | 7.31% | 0.31% | 1.28% | 2.33% | -194 bps | |
| Loan Growth (YoY) | -11.73% | -14.27% | -11.78% | -9.09% | -7.17% | -8.49% | -10.70% | -13.65% | -456 bps | |
| Share Growth (YoY) | -7.03% | -4.09% | -3.54% | 3.43% | 7.66% | -1.20% | 0.14% | 1.42% | -202 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.36% | 0.31% | 0.13% | 0.13% | 0.68% | 0.98% | 0.82% | 0.05% | -8 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 | 12.10% | 11.08% | 11.10% | 11.53% | 12.67% | 12.40% | 12.08% | 12.28% | +75 bps | |
| Net Worth / Assets | 12.10% | 11.08% | 11.10% | 11.53% | 12.67% | 12.40% | 12.08% | 12.28% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.12% | 71.06% | 66.64% | 68.01% | 71.67% | 65.82% | 59.43% | 57.90% | -1,010 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |