Kenmore, NY · Charter 24715
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.14% | 1.52% | 1.75% | 1.02% | 1.14% | 0 bps | |
| Return on Equity | 8.02% | 10.37% | 14.63% | 6.61% | 7.18% | -84 bps | |
| Net Interest Margin | 4.21% | 4.13% | 4.33% | 4.10% | 4.18% | -3 bps | |
| Efficiency Ratio | 72.46% | 68.63% | 65.90% | 79.86% | 77.64% | +518 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.54% | 34.08% | 33.05% | 32.38% | 33.08% | +3,362 bps | |
| Loan Growth (YoY) | 5.58% | 20.86% | 17.40% | 13.40% | 9.85% | +426 bps | |
| Share Growth (YoY) | -2.48% | 31.92% | 33.68% | 33.24% | 34.73% | +3,722 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.90% | 1.39% | 1.68% | 1.13% | 2.50% | +160 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.22% | 14.70% | 11.95% | 15.40% | 15.84% | +162 bps | |
| Net Worth / Assets | 14.22% | 14.70% | 11.95% | 15.40% | 15.84% | +162 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.61% | 72.10% | 70.11% | 67.29% | 66.53% | -1,507 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |