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Clinton, NY · Charter 5579

NCUA · 5 branches

Q2 2026

$320.1MAssets
$154.0MLoans
$287.6MShares
$30.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.35%, up 22 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 0.89% of loans (+50 bps YoY).
  • Capital: net worth / assets of 9.40%, up 27 bps from a year ago.
  • Funding: loans stand at 53.55% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.35%+22 bps YoY

Net Interest Margin (YTD, annualized)

3.25%+19 bps YoY

Efficiency Ratio (YTD, annualized)

66.95%-474 bps YoY

Net Worth / Assets

9.40%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.13%1.23%0.90%1.36%1.35%+22 bps
Return on Equity12.40%13.19%9.88%14.84%14.39%+198 bps
Net Interest Margin3.06%3.09%2.86%3.19%3.25%+19 bps
Efficiency Ratio71.70%69.79%76.09%65.87%66.95%-474 bps
Growth
Asset Growth (YoY)12.57%13.50%13.79%10.69%8.73%-384 bps
Loan Growth (YoY)1.99%1.95%2.20%3.56%1.46%-53 bps
Share Growth (YoY)12.16%13.38%13.62%10.60%8.24%-392 bps
Asset Quality
Delinquent Loans / Loans0.39%0.44%0.29%0.65%0.89%+50 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.13%9.29%9.10%9.15%9.40%+27 bps
Net Worth / Assets9.13%9.29%9.10%9.15%9.40%+27 bps
Liquidity & Funding
Loans / Shares57.12%56.31%55.00%53.28%53.55%-357 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps