Binghamton, NY · Charter 3841
NCUA · 2 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 | 0.39% | 0.07% | -0.38% | 0.24% | 0.48% | 0.92% | 2.64% | 1.62% | +137 bps | |
| Return on Equity | 4.27% | 0.87% | -4.38% | 2.77% | 5.33% | 10.07% | 28.54% | 17.58% | +1,482 bps | |
| Net Interest Margin | 4.39% | 4.41% | 4.44% | 4.55% | 4.64% | 4.61% | 4.87% | 4.87% | +32 bps | |
| Efficiency Ratio | 82.41% | 84.36% | 75.38% | 70.04% | 68.52% | 65.85% | 55.42% | 62.72% | -732 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.97% | 0.70% | -0.97% | -0.92% | 0.14% | 1.98% | 10.01% | 11.35% | +1,227 bps | |
| Loan Growth (YoY) | -2.51% | -2.71% | 0.84% | 0.45% | 1.88% | 3.55% | 2.03% | 4.01% | +356 bps | |
| Share Growth (YoY) | -0.80% | -0.18% | -2.05% | -1.75% | -0.74% | 0.44% | 5.94% | 4.65% | +641 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.04% | 4.30% | 4.38% | 4.22% | 4.58% | 4.66% | 4.57% | 4.90% | +67 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 | 9.16% | 8.64% | 8.68% | 8.79% | 9.00% | 9.13% | 9.25% | 9.19% | +40 bps | |
| Net Worth / Assets | 9.16% | 8.64% | 8.68% | 8.79% | 9.00% | 9.13% | 9.25% | 9.19% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.09% | 74.90% | 78.04% | 77.74% | 78.10% | 77.22% | 75.16% | 77.27% | -48 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |