Niagara Falls, NY · Charter 24873
NCUA · 1 branch
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 | 1.29% | 0.96% | -2.09% | 1.23% | -4.58% | -1.25% | -0.29% | -0.52% | -175 bps | |
| Return on Equity | 10.25% | 7.60% | -17.61% | 9.10% | -38.70% | -10.32% | -2.50% | -4.35% | -1,345 bps | |
| Net Interest Margin | 2.70% | 3.04% | 3.40% | 6.20% | 0.46% | 3.95% | 3.65% | 3.77% | -242 bps | |
| Efficiency Ratio | 68.06% | 79.36% | 97.02% | 61.83% | 226% | 95.73% | 99.83% | 102.19% | +4,036 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 80.92% | 68.22% | 69.84% | 60.46% | -7.95% | -5.78% | -4.38% | -4.38% | -6,485 bps | |
| Loan Growth (YoY) | 80.85% | 74.31% | 66.20% | 59.07% | -18.55% | -16.76% | -16.25% | -14.20% | -7,327 bps | |
| Share Growth (YoY) | 76.55% | 63.98% | 68.60% | 56.60% | -6.41% | -5.29% | -4.18% | -2.72% | -5,931 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.41% | 3.59% | 4.30% | 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 | 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 | 12.58% | 12.59% | 11.86% | 13.47% | 11.83% | 12.11% | 11.66% | 11.93% | -154 bps | |
| Net Worth / Assets | 12.58% | 12.59% | 11.86% | 13.47% | 11.83% | 12.11% | 11.66% | 11.93% | -154 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.66% | 79.41% | 73.25% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |