Buffalo, NY · Charter 3306
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 | 0.91% | 0.97% | 0.86% | 1.10% | 1.05% | 1.10% | 2.00% | 1.25% | +15 bps | |
| Return on Equity | 8.70% | 9.21% | 8.17% | 10.42% | 9.93% | 10.29% | 18.09% | 11.30% | +88 bps | |
| Net Interest Margin | 2.31% | 2.33% | 2.45% | 2.48% | 2.50% | 2.51% | 3.54% | 2.60% | +12 bps | |
| Efficiency Ratio | 55.86% | 54.18% | 60.39% | 55.03% | 55.16% | 52.32% | 41.25% | 52.40% | -263 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.80% | 13.32% | 10.41% | 12.08% | 9.35% | 10.01% | 9.04% | 7.05% | -504 bps | |
| Loan Growth (YoY) | 6.36% | 5.83% | 5.56% | 5.75% | 10.43% | 9.36% | 7.51% | 7.99% | +224 bps | |
| Share Growth (YoY) | 18.34% | 13.24% | 9.96% | 11.92% | 9.06% | 9.92% | 8.68% | 6.28% | -565 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.92% | 1.20% | 1.15% | 1.18% | 1.35% | 1.38% | 1.09% | 0.93% | -25 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 | 10.45% | 10.53% | 10.54% | 10.59% | 10.62% | 10.66% | 11.05% | 11.08% | +49 bps | |
| Net Worth / Assets | 10.45% | 10.53% | 10.54% | 10.59% | 10.62% | 10.66% | 11.05% | 11.08% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.93% | 92.86% | 91.91% | 92.49% | 94.10% | 92.39% | 90.93% | 93.97% | +149 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |