Niagara Falls, NY · Charter 24873
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.23% | -4.58% | -1.25% | -0.29% | -0.52% | -175 bps | |
| Return on Equity | 9.10% | -38.70% | -10.32% | -2.50% | -4.35% | -1,345 bps | |
| Net Interest Margin | 6.20% | 0.46% | 3.95% | 3.65% | 3.77% | -242 bps | |
| Efficiency Ratio | 61.83% | 226% | 95.73% | 99.83% | 102.19% | +4,036 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 60.46% | -7.95% | -5.78% | -4.38% | -4.38% | -6,485 bps | |
| Loan Growth (YoY) | 59.07% | -18.55% | -16.76% | -16.25% | -14.20% | -7,327 bps | |
| Share Growth (YoY) | 56.60% | -6.41% | -5.29% | -4.18% | -2.72% | -5,931 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.43% | 2.19% | 2.54% | 1.59% | 2.38% | -105 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 | 13.47% | 11.83% | 12.11% | 11.66% | 11.93% | -154 bps | |
| Net Worth / Assets | 13.47% | 11.83% | 12.11% | 11.66% | 11.93% | -154 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.24% | 71.07% | 69.79% | 64.03% | 65.48% | -876 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |