Albany, NY · Charter 2440
NCUA · 9 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 | 0.56% | 0.58% | 1.11% | 0.88% | 0.84% | 0.74% | 0.46% | 0.51% | -37 bps | |
| Return on Equity | 6.00% | 6.49% | 12.41% | 9.60% | 8.65% | 8.04% | 5.05% | 5.75% | -385 bps | |
| Net Interest Margin | 3.76% | 3.71% | 3.65% | 3.81% | 4.04% | 3.89% | 3.78% | 3.73% | -8 bps | |
| Efficiency Ratio | 82.43% | 82.31% | 75.49% | 77.90% | 79.79% | 80.79% | 87.43% | 85.50% | +761 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.54% | 7.63% | 7.45% | 6.38% | 3.30% | 5.28% | 5.76% | 9.37% | +299 bps | |
| Loan Growth (YoY) | 16.12% | 14.62% | 14.63% | 10.69% | 9.39% | 12.25% | 11.86% | 10.30% | -38 bps | |
| Share Growth (YoY) | 11.69% | 10.61% | 9.40% | 5.61% | 2.66% | 3.66% | 5.71% | 10.25% | +464 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 0.61% | 0.65% | 0.79% | 0.73% | 0.76% | 0.52% | 0.48% | -32 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 | 9.36% | 8.93% | 8.96% | 9.14% | 9.68% | 9.25% | 9.01% | 8.87% | -27 bps | |
| Net Worth / Assets | 9.36% | 8.93% | 8.96% | 9.14% | 9.68% | 9.25% | 9.01% | 8.87% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.94% | 79.95% | 78.49% | 81.43% | 87.31% | 86.57% | 83.05% | 81.47% | +4 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |