Albany, NY · Charter 24690
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 | 0.47% | 0.49% | 0.68% | 0.91% | 0.83% | 0.90% | 0.20% | -0.01% | -93 bps | |
| Return on Equity | 3.88% | 4.09% | 5.75% | 7.57% | 7.22% | 7.31% | 1.63% | -0.13% | -770 bps | |
| Net Interest Margin | 3.64% | 3.65% | 3.77% | 3.91% | 3.71% | 3.95% | 3.92% | 3.86% | -5 bps | |
| Efficiency Ratio | 82.64% | 82.54% | 79.07% | 75.82% | 73.99% | 74.13% | 78.97% | 81.05% | +523 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.24% | 9.47% | 13.69% | 11.24% | 11.96% | 4.98% | 4.70% | 7.71% | -353 bps | |
| Loan Growth (YoY) | 1.95% | 0.88% | 2.55% | 1.95% | 7.77% | 6.80% | 9.57% | 8.80% | +684 bps | |
| Share Growth (YoY) | 3.13% | 10.35% | 15.22% | 12.15% | 12.72% | 4.57% | 4.45% | 8.32% | -383 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.05% | 1.82% | 0.00% | 0.10% | 0.00% | 0.84% | 0.97% | 0.49% | +39 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 | 12.07% | 12.05% | 11.83% | 12.07% | 11.54% | 12.38% | 12.06% | 11.63% | -45 bps | |
| Net Worth / Assets | 12.07% | 12.05% | 11.83% | 12.07% | 11.54% | 12.38% | 12.06% | 11.63% | -45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.99% | 56.01% | 54.26% | 55.36% | 53.53% | 57.21% | 56.91% | 55.61% | +24 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |