PackageTrendsPeer
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Northern

Watertown, NY · Charter 24989

Q2 2026

$698.2MAssets
$562.1MLoans
$614.7MShares
$71.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.15%; NIM at 3.60%.
  • Asset quality: problem loans at 1.32% of loans.
  • Capital: net worth / assets of 10.19%.
  • Funding: loans stand at 91.45% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.15%

Net Interest Margin (YTD, annualized)

3.60%

Efficiency Ratio (YTD, annualized)

93.03%

Net Worth / Assets

10.19%

Year to date, annualized, through each quarter.

MetricQ2 2026YoY ΔTrend
Earnings
Return on Assets0.15%n/an/a
Return on Equity1.47%n/an/a
Net Interest Margin3.60%n/an/a
Efficiency Ratio93.03%n/an/a
Growth
Asset Growth (YoY)n/an/an/a
Loan Growth (YoY)n/an/an/a
Share Growth (YoY)n/an/an/a
Asset Quality
Delinquent Loans / Loans1.32%n/an/a
Net Charge-Offs / Loansn/an/an/a
Allowance / Loans0.00%n/an/a
Capital
Risk-Based Capital10.19%n/an/a
Net Worth / Assets10.19%n/an/a
Liquidity & Funding
Loans / Shares91.45%n/an/a
Liquid Assets / Assets0.00%n/an/a