New Hartford, NY · Charter 2658
NCUA · 6 branches
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 | 0.86% | 0.73% | 0.67% | 0.71% | 0.74% | 0.71% | 0.74% | 0.85% | +14 bps | |
| Return on Equity | 9.15% | 7.60% | 6.95% | 7.27% | 7.51% | 7.15% | 7.44% | 8.38% | +111 bps | |
| Net Interest Margin | 3.91% | 3.98% | 4.31% | 4.42% | 4.45% | 4.48% | 4.85% | 4.86% | +44 bps | |
| Efficiency Ratio | 68.84% | 70.23% | 70.00% | 69.69% | 69.39% | 68.60% | 67.60% | 67.27% | -242 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.93% | 3.24% | 4.07% | 4.26% | 2.84% | 3.92% | 4.34% | 3.96% | -31 bps | |
| Loan Growth (YoY) | 4.15% | 3.05% | 2.25% | 2.18% | 2.72% | 3.24% | 3.89% | 5.42% | +324 bps | |
| Share Growth (YoY) | 4.19% | 7.54% | 7.59% | 6.08% | 7.46% | 6.37% | 4.02% | 3.44% | -265 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.74% | 1.02% | 0.62% | 0.76% | 0.85% | 0.93% | 0.81% | 1.03% | +27 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 | 9.45% | 9.54% | 9.62% | 9.75% | 9.81% | 9.88% | 9.95% | 10.16% | +41 bps | |
| Net Worth / Assets | 9.45% | 9.54% | 9.62% | 9.75% | 9.81% | 9.88% | 9.95% | 10.16% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 111.81% | 108.84% | 103.44% | 103.88% | 106.89% | 105.64% | 103.31% | 105.86% | +199 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |