Syracuse, NY · Charter 3025
NCUA · 25 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.79% | 0.82% | 0.80% | 0.77% | 0.79% | +1 bps | |
| Return on Equity | 8.33% | 8.39% | 8.25% | 8.05% | 8.22% | -11 bps | |
| Net Interest Margin | 3.37% | 3.56% | 3.59% | 3.54% | 3.65% | +28 bps | |
| Efficiency Ratio | 71.13% | 68.68% | 68.32% | 67.18% | 66.63% | -450 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.19% | 8.35% | 8.69% | 6.40% | 5.59% | -660 bps | |
| Loan Growth (YoY) | 16.27% | 15.95% | 13.12% | 9.05% | 7.65% | -863 bps | |
| Share Growth (YoY) | 12.30% | 7.84% | 7.98% | 5.73% | 4.91% | -739 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.62% | 0.78% | 1.00% | 0.86% | 1.05% | +43 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 | 9.43% | 9.73% | 9.65% | 9.61% | 9.67% | +24 bps | |
| Net Worth / Assets | 9.43% | 9.73% | 9.65% | 9.61% | 9.67% | +24 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.56% | 94.10% | 92.83% | 89.47% | 91.89% | +233 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |