Jamestown, NY · Charter 3551
NCUA · 6 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 | 1.45% | 1.62% | 1.64% | 1.70% | 1.58% | +14 bps | |
| Return on Equity | 14.96% | 15.86% | 15.55% | 15.62% | 14.41% | -55 bps | |
| Net Interest Margin | 3.72% | 3.83% | 3.87% | 3.90% | 3.85% | +13 bps | |
| Efficiency Ratio | 65.48% | 63.11% | 62.50% | 62.67% | 62.75% | -273 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.84% | 4.09% | 3.78% | 4.70% | 3.96% | +112 bps | |
| Loan Growth (YoY) | 3.53% | 3.84% | 2.11% | 1.19% | 1.12% | -240 bps | |
| Share Growth (YoY) | 1.93% | 2.92% | 2.50% | 3.46% | 2.67% | +75 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.09% | 0.00% | 0.02% | 0.02% | 0.02% | -8 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 | 9.67% | 10.19% | 10.55% | 10.89% | 10.98% | +131 bps | |
| Net Worth / Assets | 9.67% | 10.19% | 10.55% | 10.89% | 10.98% | +131 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.67% | 66.09% | 64.74% | 66.14% | 64.68% | -99 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |