Kenmore, NY · Charter 24715
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 1.03% | 0.85% | 1.14% | 1.52% | 1.75% | 1.02% | 1.14% | 0 bps | |
| Return on Equity | 7.95% | 7.55% | 6.23% | 8.02% | 10.37% | 14.63% | 6.61% | 7.18% | -84 bps | |
| Net Interest Margin | 3.87% | 3.89% | 4.10% | 4.21% | 4.13% | 4.33% | 4.10% | 4.18% | -3 bps | |
| Efficiency Ratio | 71.80% | 73.49% | 74.53% | 72.46% | 68.63% | 65.90% | 79.86% | 77.64% | +518 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.76% | 0.27% | -0.71% | -0.54% | 34.08% | 33.05% | 32.38% | 33.08% | +3,362 bps | |
| Loan Growth (YoY) | 1.47% | 3.10% | 5.10% | 5.58% | 20.86% | 17.40% | 13.40% | 9.85% | +426 bps | |
| Share Growth (YoY) | 0.56% | -0.92% | -2.13% | -2.48% | 31.92% | 33.68% | 33.24% | 34.73% | +3,722 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.39% | 1.61% | 0.62% | 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 | 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 | 13.58% | 13.68% | 13.68% | 14.22% | 14.70% | 11.95% | 15.40% | 15.84% | +162 bps | |
| Net Worth / Assets | 13.58% | 13.68% | 13.68% | 14.22% | 14.70% | 11.95% | 15.40% | 15.84% | +162 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.70% | 79.83% | 79.06% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |